Hawaii Housing Report
Recorded September 25, 2025
Hosts: Economist Paul Brewbaker (TZ Economics) & Patrick W. O’Neill R (Principal Broker, Luxury Homes International & ONEILL Group Commercial Services)
Guest: Anders Hostelley, Regional Manager, Guaranteed Rate Mortgage

The September 2025 Hawaii Housing Report delivers an in-depth look at Hawaii’s evolving real estate landscape — from home prices and sales trends to mortgage rates and economic forecasts. Economist Paul Brewbaker, broker Patrick O’Neill, and mortgage expert Anders Hostelley share timely insights into what’s driving Hawaii’s housing market and where it’s heading next.

Whether you’re a buyer, seller, investor, or Realtor®, this episode helps you understand the numbers that shape Hawaii’s housing economy.

Paul Brewbaker breaks down Honolulu’s latest data on median home prices, months of inventory, and sales volume. Despite higher mortgage rates, limited supply continues to support stable pricing across much of Oahu, highlighting the market’s long-term resilience.

Condo sales remain mixed in 2025. Patrick O’Neill reviews activity across Kaka‘ako, Ala Moana, and Waikiki, noting that rising maintenance fees, insurance costs, and lender scrutiny are influencing both buyer sentiment and financing timelines.

Guest expert Anders Hostelley of Guaranteed Rate Mortgage discusses how rate movements are affecting affordability, refinancing, and qualification power. He connects Federal Reserve policy, inflation data, and Hawaii’s lending landscape—and shares his projections for late 2025 and early 2026.

Economist Paul Brewbaker of TZ Economics links Hawaii’s housing trends to national economic forces. He explores potential interest rate cuts, migration shifts, and supply constraints—and how each may affect home prices and overall market balance heading into 2026.

• Home prices remain steady despite elevated borrowing costs.

• Condo demand is cooling amid higher fees and insurance premiums.

• Rate volatility challenges affordability but creates refinance windows.

• Tight inventory continues to support long-term price stability.

• Hawaii’s market is gradually rebalancing yet remains undersupplied.

Luxury Homes International – Leading Hawaii brokerage specializing in luxury residential and investment properties across Oahu, Maui, Kauai, and the Big Island.
ONEILL Group Commercial Services – Hawaii’s trusted name in commercial real estate sales, leasing, and development advisory.
TZ Economics – Economic research and forecasting from economist Paul H. Brewbaker, Ph.D.
Guaranteed Rate Mortgage – Providing expert insight on mortgage lending, financing trends, and rate projections in Hawaii.

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🌺 Overview🏠 Oahu Single-Family Homes🏢 Condominium Sales Trends📈 Interest Rates & Mortgage Impact💰 Market Projections & Economic Forecast

🎙 Hawaii Housing Report: Hawaii’s Property Insurance Crisis 2025

Hawaii’s real estate market is facing one of its most urgent challenges in decades — a property insurance crisis that is reshaping the value of condos, homes, and investment properties across the islands. In this special episode of the Hawaii Housing Report, host Patrick W. O’Neill (Principal Broker, Luxury Homes International) sits down with Sue Savio, President of Insurance Associates, to break down the crisis and its impact on Hawaii real estate in 2025.

• Soaring Insurance Premiums – Why some condo associations and homeowners are seeing increases of 300%–500% in just a few years.

• Underinsured Condos – How an estimated 400–500 condominium buildings in Hawaii no longer qualify for conventional financing.

• Ripple Effect on Property Values – What these rising insurance costs mean for homeowners, buyers, sellers, and Realtors.

• HOA Fees and Maintenance – How skyrocketing insurance is pushing monthly HOA costs to unsustainable levels.

• Financing Challenges – Why banks are tightening lending standards on underinsured properties, and what that means for future sales.

• Policy and Fire Safety Issues – How deferred maintenance, fire safety regulations, and the fallout from recent wildfires are shaping risk calculations for insurers.

Hawaii’s insurance crisis is not just about higher costs — it’s a systemic issue affecting property values, real estate liquidity, and long-term affordability. With hundreds of condo buildings underinsured, owners risk losing access to traditional financing, creating a downward pull on prices and discouraging new buyers.

For homeowners, this means shrinking resale values. For buyers, it means fewer loan options. For Realtors and investors, it represents both risk and opportunity in Hawaii’s evolving housing market.

• Patrick W. O’Neill, R – Principal Broker, Luxury Homes International. Veteran real estate executive with over $2 billion in closed transactions.

• Sue Savio – President, Insurance Associates. Hawaii’s leading insurance authority, with decades of expertise in condominium and property insurance.

Together, they provide an insider’s perspective on how to navigate the current crisis, protect your investment, and plan for the future of Hawaii real estate.

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Prefer visuals? Watch the full discussion on the Luxury Homes International YouTube Channel for graphs, charts, and data.
On the go? Subscribe to the Hawaii Housing Report Podcast on Spotify, Apple Podcasts, and Google Podcasts for expert insights delivered monthly.

The Hawaii Property Insurance Crisis of 2025 is already reshaping the market. Stay informed, stay prepared, and stay ahead with the Hawaii Housing Report.

🔑 What You’ll Learn in This Episode📊 Why This Matters🎧 Expert Panel📍 Keywords & SEO Tags🔗 Watch & Listen

🎙 Hawaii Housing Report – August 2025

The Hawaii Housing Report is your trusted source for in-depth analysis of Hawaii’s real estate market, housing trends, and economic outlook. Hosted by Patrick W. O’Neill, Principal Broker of Luxury Homes International, and featuring renowned economist Paul Brewbaker, this August 2025 episode takes you inside the latest developments shaping property values, mortgage rates, insurance costs, and the overall health of Hawaii’s housing market.

Hawaii continues to face a shifting real estate landscape, with condominium insurance premiums skyrocketing, mortgage rates fluctuating, and inventory levels creating new challenges for both buyers and sellers. In this episode, Patrick and Paul dive into the numbers, break down what they mean for homeowners and investors, and provide clear, actionable insights to help you navigate today’s housing climate.

• Hawaii’s Condo Insurance Crisis – Why premiums have surged 300%–500% in some buildings, leaving hundreds of condos underinsured and no longer qualifying for conventional financing.

• Mortgage Rates & Financing – How interest rate movements are affecting buyers’ purchasing power and overall housing demand.

• Single-Family vs. Condo Market – Why single-family homes remain in short supply while the condo market faces downward pricing pressure.

• Economic Outlook – Economist Paul Brewbaker’s perspective on inflation, bond yields, and Federal Reserve policy—and how these macro factors impact Hawaii real estate.

• Impact on Property Values – What rising costs and financing challenges mean for homeowners looking to sell, buyers entering the market, and investors evaluating long-term opportunities.

Hawaii’s real estate market is unlike any other. With limited land, high construction costs, and strong local and international demand, small shifts in financing, insurance, or supply ripple across the entire housing sector. Understanding these forces is critical if you are:

• A homeowner considering selling or refinancing.

• A buyer navigating affordability challenges.

• A condo association board member struggling with insurance and maintenance fees.

• An investor or developer assessing Hawaii’s future housing demand.

• A Realtor looking for expert insights to guide clients with confidence.

The Hawaii Housing Report is a monthly podcast and video series that delivers clear, data-driven insights into Hawaii’s housing and economic environment. By combining real estate expertise with economic analysis, the show cuts through headlines to bring you practical takeaways you can use to make smarter real estate decisions.

Hosted by Patrick W. O’Neill, R (Principal Broker, Luxury Homes International) and joined by Paul Brewbaker (Principal, TZ Economics; former Chief Economist at Bank of Hawaii), the Hawaii Housing Report brings together decades of real estate and economic expertise.

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Prefer visuals? You can also watch the full video version of the Hawaii Housing Report on YouTube. For real-time charts, market graphs, and property insights, visit: [Luxury Homes International YouTube Channel].

For those who want to stay informed on the go, subscribe to the Hawaii Housing Report Podcast on Spotify, Apple Podcasts, Google Podcasts, and more.

Stay informed. Stay prepared. Stay ahead.
Whether you’re buying, selling, investing, or just keeping an eye on Hawaii’s real estate market, the Hawaii Housing Report is your go-to source for trusted insights.

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