Hawaii Living

Honolulu Property Buyers:
Cash vs Financing

Over the years, many of our clients have asked, in different variations, whether buyers of Honolulu real estate purchase more with all cash or use a combination of cash & financing. We therefore created this page, so our clients, and prospective clients, can see the breakdown of cash vs financing buyers, separating Honolulu condos and single-family homes, across different time frames and price points.

The data, from the Oahu MLS, is automatically updated, once per month, to ensure the information stays relevant and up-to-date. We hope you find the the charts and tables informative!
Condos: Cash vs Financing
Homes: Cash vs Financing
Cash vs Financing by Price Range, Past 12 Months
CondosCashFinancing# Sales
$0M - $1M
46%54%2,199
$1M - $2M
68%32%287
$2M - $3M
82%18%44
$3M - $4M
94%6%16
$4M - $5M
80%20%5
$5M+
100%0%6
HomesCashFinancing# Sales
$0M - $1M
35%65%144
$1M - $2M
30%70%466
$2M - $3M
52%48%91
$3M - $4M
58%42%40
$4M - $5M
56%44%16
$5M+
82%18%17
Cash vs Financing by Price Range, 13 - 24 Months Ago
CondosCashFinancing# Sales
$0M - $1M
45%55%2,370
$1M - $2M
68%32%268
$2M - $3M
91%9%44
$3M - $4M
75%25%12
$4M - $5M
100%0%2
$5M+
95%5%19
HomesCashFinancing# Sales
$0M - $1M
26%74%141
$1M - $2M
29%71%406
$2M - $3M
52%48%90
$3M - $4M
54%46%28
$4M - $5M
71%29%7
$5M+
79%21%24
Cash vs Financing by Price Range, 25 - 36 Months Ago
CondosCashFinancing# Sales
$0M - $1M
37%63%3,054
$1M - $2M
46%54%342
$2M - $3M
71%29%49
$3M - $4M
80%20%20
$4M - $5M
73%27%11
$5M+
85%15%13
HomesCashFinancing# Sales
$0M - $1M
24%76%148
$1M - $2M
23%77%568
$2M - $3M
38%62%114
$3M - $4M
38%62%52
$4M - $5M
56%44%16
$5M+
80%20%25