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
47%53%2,282
$1M - $2M
69%31%267
$2M - $3M
89%11%45
$3M - $4M
75%25%12
$4M - $5M
100%0%2
$5M+
100%0%13
HomesCashFinancing# Sales
$0M - $1M
30%70%136
$1M - $2M
28%72%430
$2M - $3M
55%45%78
$3M - $4M
59%41%27
$4M - $5M
80%20%10
$5M+
88%12%24
Cash vs Financing by Price Range, 13 - 24 Months Ago
CondosCashFinancing# Sales
$0M - $1M
42%58%2,516
$1M - $2M
57%43%281
$2M - $3M
90%10%41
$3M - $4M
92%8%12
$4M - $5M
86%14%7
$5M+
94%6%16
HomesCashFinancing# Sales
$0M - $1M
23%77%149
$1M - $2M
24%76%454
$2M - $3M
44%56%97
$3M - $4M
46%54%37
$4M - $5M
55%45%11
$5M+
80%20%20
Cash vs Financing by Price Range, 25 - 36 Months Ago
CondosCashFinancing# Sales
$0M - $1M
34%66%3,792
$1M - $2M
48%52%406
$2M - $3M
62%38%52
$3M - $4M
78%22%27
$4M - $5M
75%25%12
$5M+
80%20%15
HomesCashFinancing# Sales
$0M - $1M
22%78%227
$1M - $2M
21%79%721
$2M - $3M
37%63%158
$3M - $4M
48%52%67
$4M - $5M
59%41%22
$5M+
85%15%33