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
45%55%2,347
$1M - $2M
69%31%267
$2M - $3M
91%9%44
$3M - $4M
82%18%11
$4M - $5M
50%50%2
$5M+
95%5%19
HOMESCashFinancing# Sales
$0M - $1M
21%79%133
$1M - $2M
27%73%403
$2M - $3M
49%51%87
$3M - $4M
58%42%31
$4M - $5M
83%17%6
$5M+
81%19%27
Cash vs Financing by Price Range, 13 - 24 Months Ago
CONDOSCashFinancing# Sales
$0M - $1M
36%64%3,326
$1M - $2M
43%57%381
$2M - $3M
69%31%52
$3M - $4M
82%18%22
$4M - $5M
83%17%12
$5M+
83%17%18
HOMESCashFinancing# Sales
$0M - $1M
24%76%168
$1M - $2M
22%78%648
$2M - $3M
37%63%128
$3M - $4M
39%61%56
$4M - $5M
56%44%18
$5M+
81%19%26
Cash vs Financing by Price Range, 25 - 36 Months Ago
CONDOSCashFinancing# Sales
$0M - $1M
34%66%3,595
$1M - $2M
56%44%295
$2M - $3M
66%34%47
$3M - $4M
77%23%22
$4M - $5M
67%33%9
$5M+
100%0%9
HOMESCashFinancing# Sales
$0M - $1M
19%81%361
$1M - $2M
17%83%696
$2M - $3M
37%63%175
$3M - $4M
51%49%47
$4M - $5M
50%50%20
$5M+
82%18%28