Cheapest Places to Live in Hawaii

Hawaii, with its stunning islands, vibrant culture, and rich history, offers a unique and appealing living experience. The state is home to landmarks such as Pearl Harbor, Waikiki Beach, and the Hawaii Volcanoes National Park. The state's economy is heavily influenced by tourism, agriculture, and defense, providing a diverse range of economic opportunities. However, Hawaii is also known for its high cost of living, driven by expensive housing, imported goods, and services. Despite recent inflation and rising food costs, there are still areas within Hawaii where affordable living can be found, particularly in regions away from the major tourist centers. Hawaii's tax structure includes moderate income taxes and relatively high property taxes, which can impact overall affordability.

Affordable living in Hawaii can often be found in smaller towns and rural communities where housing costs and everyday expenses are lower. These areas provide a more manageable cost of living, which is essential for maintaining financial stability. Affordability is a key factor in livability, as it allows residents to enjoy a comfortable lifestyle without excessive financial strain. Factors contributing to the cheapest places to live in Hawaii include lower housing demand in less populated areas, efficient local governance, and strong community support systems. Utilizing C2ER's cost of living data helps to identify these affordable regions, ensuring that potential residents can make informed decisions. In a state known for its natural beauty and cultural richness, finding affordable living options enhances the overall living experience.

Waianae Population: 13,192 16% cheaper than Hawaii average

Med. Home Value: $389,700 Med. Rent: $1,074 Med. Household Inc.: $67,466

With a cost of living index that is 16% cheaper than the state average, Waianae is the cheapest place to live in Hawaii. This area offers residents a remarkable blend of relatively low housing costs, budget-friendly grocery prices, affordable utilities, and economical health care services, making it an attractive destination for those seeking to stretch their dollars further. Whether you're a young professional, a growing family, or someone looking to enjoy a more relaxed pace of life, Waianae provides an inviting and cost-effective environment to call home.

Makaha Population: 10,087 15% cheaper than Hawaii average

Med. Home Value: $362,500 Med. Rent: $1,534 Med. Household Inc.: $51,278

The second most affordable city in Hawaii is Makaha and stands out for its cost-effective lifestyle. With an overall cost of living that is 15% cheaper than the Hawaii average, overall goods and services, housing, utilities, transportation and health care costs fall within a reasonable range. Median household income levels are steady and come in at , which helps to increase the purchasing power of the local residents.

Kailua CDP (Hawaii County) Population: 13,617 14% cheaper than Hawaii average

Med. Home Value: $412,600 Med. Rent: $1,118 Med. Household Inc.: $61,629

Kailua CDP (Hawaii County) lands in the #3 spot for the cheapest cities to live in Hawaii, with a cost of living that is 14% cheaper than the state average. With home prices averaging and rental rates coming in around , it helps that household income levels average about , which assists with paying the mortgage or your monthly rent. Its robust public school system and accessible health care further enhance its appeal, making it a great place to settle down. The strong community spirit and ample recreational opportunities add to its charm.

Nanakuli Population: 11,379 13% cheaper than Hawaii average

Med. Home Value: $392,800 Med. Rent: $1,552 Med. Household Inc.: $77,448

The cost of everyday grocery items, goods & services and of course housing, can have a significant impact on the overall cost of living in any area. Nanakuli offers a picturesque and affordable living environment, with a cost of living that is 13% cheaper than the state average. Everyday items like ground beef , eggs , coffee and pizza are all fairly reasonable compared to most other cities, which helps reduce those grocery bills. Home prices are also fairly affordable (compared to the state average), coming in at around .

Hawaiian Paradise Park Population: 10,921 13% cheaper than Hawaii average

Med. Home Value: $307,400 Med. Rent: $1,115 Med. Household Inc.: $76,122

For those wanting to live well on a budget, Hawaiian Paradise Park is ideal, with a cost of living that is 13% cheaper than the state average. Reasonable housing prices (compared to the Hawaii average) of and rental prices of are paired with economical goods and services and a range of free or low-cost recreational activities. The city's proactive economic development initiatives also ensure a steady stream of job opportunities, making it a smart choice for those prioritizing financial ease.

Hilo Population: 45,248 11% cheaper than Hawaii average

Med. Home Value: $341,500 Med. Rent: $1,098 Med. Household Inc.: $65,727

Hilo comes in at #6 on our list of the cheapest cities in Hawaii and is a haven for those seeking affordability without sacrificing convenience. The city is known for its discount shopping centers and budget-friendly dining options and has a cost of living that is 11% cheaper than Hawaii. The city's local markets provide fresh produce and other groceries at reduced prices, while parks and community centers offer free entertainment and leisure. This city is perfect for enjoying a high quality of life at a low cost.

Waipio Acres Population: 5,556 9% cheaper than Hawaii average

Med. Home Value: $447,200 Med. Rent: $1,665 Med. Household Inc.: $83,594

With its cost-effective lifestyle, Waipio Acres is an attractive destination for those looking to live affordably. The city boasts suitable housing costs, affordable healthcare, and a variety of budget-friendly dining options. The community is welcoming and vibrant, providing residents with a rich social life at a fraction of the cost. Median income levels come in at , which provides financial stability, purchasing power and increases the quality of life in the city.

Waimalu Population: 13,714 8% cheaper than Hawaii average

Med. Home Value: $453,500 Med. Rent: $1,760 Med. Household Inc.: $75,560

A lower cost of living allows individuals to manage their expenses more effectively, reducing the risk of financial stress and debt. When essential costs such as housing, food, transportation, and healthcare are more affordable, people can achieve greater financial stability and resilience. Waimalu fits that mold and has a cost of living that is 8% cheaper than Hawaii.

Maili Population: 12,591 3% cheaper than Hawaii average

Med. Home Value: $493,000 Med. Rent: $2,204 Med. Household Inc.: $97,984

Lower living costs can lead to a higher quality of life by making it easier for people to afford comfortable housing, nutritious food, and access to healthcare. It can also provide opportunities for better education, recreational activities, and community engagement, contributing to overall well-being. Maili is one of the most affordable cities in Hawaii, and has a cost of living that is 3% cheaper than the state average.

Ewa Villages Population: 6,452 3% cheaper than Hawaii average

Med. Home Value: $604,000 Med. Rent: $951 Med. Household Inc.: $74,344

With a cost of living that is 3% cheaper than Hawaii, Ewa Villages comes in at #10 on our list of the cheapest places to live in Hawaii. Financial stress is a significant factor affecting mental and physical health. By lowering the cost of living, individuals can experience reduced anxiety related to meeting monthly expenses, thereby improving overall health and well-being. The ability to afford basic necessities without constant worry contributes to a more balanced and fulfilling life.

Full list of the cheapest places in Hawaii

Rank	Location	Population	COL Index	Med. Home Value	Med. Household Inc.
1	Waianae	13,192	145	$389,700	$67,466
2	Makaha	10,087	146	$362,500	$51,278
3	Kailua CDP (Hawaii County)	13,617	148	$412,600	$61,629
4	Nanakuli	11,379	150	$392,800	$77,448
5	Hawaiian Paradise Park	10,921	151	$307,400	$76,122
6	Hilo	45,248	155	$341,500	$65,727
7	Waipio Acres	5,556	157	$447,200	$83,594
8	Waimalu	13,714	159	$453,500	$75,560
9	Maili	12,591	168	$493,000	$97,984
10	Ewa Villages	6,452	168	$604,000	$74,344
11	Wahiawa	16,442	168	$569,200	$69,818
12	Waihee-Waiehu	10,771	169	$572,900	$109,077
13	Wailuku	17,523	170	$586,300	$76,624
14	Waipio	10,745	170	$542,400	$91,458
15	Kapaa	9,961	171	$578,500	$92,571
16	Kalaoa	11,198	173	$489,400	$65,922
17	Kahului	29,993	173	$617,500	$83,238
18	Waikele	7,246	174	$536,400	$103,389
19	Waikoloa Village	7,366	174	$471,000	$76,991
20	Ewa Beach	13,803	175	$581,000	$97,118
21	Waimea	10,969	175	$462,800	$95,667
22	Waimanalo	5,599	175	$635,900	$109,620
23	Makawao	7,989	176	$630,700	$93,577
24	Kaneohe Station	11,072	176	$0	$51,631
25	Ewa Gentry	26,358	177	$594,500	$112,385
26	Kihei	22,749	177	$619,700	$84,708
27	Waipahu	38,276	177	$648,200	$78,351
28	Lihue	9,036	177	$635,700	$82,057
29	Kapolei	21,541	178	$598,200	$115,000
30	Schofield Barracks	18,276	179	$0	$62,183
31	Makakilo	19,565	181	$636,300	$111,036
32	Napili-Honokowai	6,870	183	$666,100	$86,048
33	West Loch Estate	6,685	184	$631,000	$109,965
34	Royal Kunia	13,857	184	$625,600	$116,035
35	Pukalani	7,689	185	$687,200	$107,461
36	Kalaheo	5,333	185	$715,500	$84,078
37	Honolulu	347,181	185	$707,400	$72,454
38	Wailua Homesteads	6,301	186	$684,600	$103,672
39	Mililani Town	27,459	187	$683,700	$104,409
40	Lahaina	13,216	188	$730,700	$76,951
41	Pearl City	45,159	189	$691,900	$101,517
42	Ahuimanu	8,254	193	$721,400	$109,750
43	Hickam Housing	9,463	193	$0	$81,136
44	Kahaluu-Keauhou	7,258	195	$647,200	$77,366
45	Mililani Mauka	19,808	195	$735,700	$115,551
46	Ocean Pointe	15,688	195	$671,500	$118,264
47	Halawa	13,953	198	$819,900	$92,814
48	Kaneohe	33,540	201	$805,700	$116,118
49	Aiea	9,730	208	$846,100	$114,961
50	Haiku-Pauwela	9,107	208	$862,900	$86,974

Methodology

To formulate the list of the cheapest places to live in Hawaii, AreaVibes utilized comprehensive data from the Council for Community and Economic Research (C2ER) cost of living index. The report is released annually and offers a detailed comparison of living expenses across various urban areas. The data is meticulously gathered by over 300 independent researchers, ensuring a high level of accuracy and reliability. The C2ER index encompasses more than 60 goods and services, categorized into six essential areas that significantly impact the cost of living. These categories and their respective weightings in the index are as follows: goods and services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%), and utilities (10%).

Map of Cost of Living by State

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Below nat. avg.
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Well above nat. avg.

The map above is a great way to help you discover the most affordable states across the U.S. By highlighting states with the lowest cost of living, this map provides an in-depth look at where you can get the most value for your money. By visually representing this data, the map allows users to easily compare different regions and make informed decisions about potential relocations or investments. Additionally, it provides valuable insights into the economic conditions and lifestyle factors that influence these cost of living statistics. Whether you're planning a move, considering a new job, or simply curious about the economic landscape, this map is a useful resource for understanding and navigating the financial implications of living in different states.