Cost Of Living in Kapaa, HI

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Kapaa	Hawaii	National
Cost of living	171	173	100
Goods & Services	127	130	100
Groceries	117	137	100
Health care	123	126	100
Housing	268	250	100
Transportation	135	143	100
Utilities	151	180	100

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Cost Of Living Quick Facts

The cost of living in Kapaa is 1% lower than the Hawaii average
The cost of living in Kapaa is 71% higher than the national average
Kapaa housing is 168% higher than the national average
Hawaii general sales tax is 22% lower than the national average
Hawaii state income tax is 46% lower than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$94,018	$7,835	$2,194	$2,821
Renters	$71,500	$5,958	$1,668	$2,145

A good indicator of the general affordability of housing in Kapaa, HI, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Kapaa, the median monthly income is $94,018 for those who own their own homes. Under the standard rule, that income level would allow for $2,194 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $71,500, per the median income in the area. That would allow for renters to spend up to $1,668 on monthly rental expenses.

Hawaii Sales Tax

State	General Sales Tax	With Max Surtax
Hawaii	4%	4.712%

Hawaii Income Tax

State	Income Tax (Low)	Income Tax (High)
Hawaii	1.4%	11%

Goods & Services

Item	Kapaa	National avg.	Difference
Haircut	$19.47	$24.26	19.8%
Beauty Salon	$76.67	$45.56	68.3%
Toothpaste	$3.68	$3.70	0.6%
Shampoo	$1.73	$1.28	34.8%
Movie	$15.08	$12.13	24.3%
Bowling	$25.33	$18.00	40.7%

Groceries

Item	Kapaa	National avg.	Difference
Ground Beef	$5.42	$5.84	7.2%
Fried Chicken	$2.85	$1.57	81.0%
Milk	$5.38	$4.67	15.1%
Potatoes	$5.94	$4.93	20.4%
Pizza	$14.99	$12.09	24.0%
Beer	$12.01	$10.41	15.4%

Health Care

Item	Kapaa	National avg.	Difference
Optometrist	$236.67	$125.68	88.3%
Doctor	$191.36	$135.78	40.9%
Dentist	$114.44	$113.29	1.0%
Ibuprofen	$11.35	$10.65	6.6%
Lipitor	$573.90	$468.60	22.5%

Housing

Item	Kapaa	National avg.	Difference
Home Price	$578,500.00	$184,700.00	213.2%
Avg. Mortgage Payment	$8,008.77	$2,346.69	241.3%
Apartment Rent	$1,541.00	$949.00	62.4%

Transportation

Item	Kapaa	National avg.	Difference
Gasoline	$4.80	$3.46	38.8%
Tire Balancing	$75.37	$59.92	25.8%

Utilities

Item	Kapaa	National avg.	Difference
All Electricity	$359.53	$193.99	85.3%
Phone	$184.47	$192.25	4.0%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Anahola, HI	2,425	154	54.0%
Hanamaulu, HI	4,689	156	56.0%
Eleele, HI	2,710	157	57.4%
Puhi, HI	4,316	161	60.7%
Wailua, HI	2,481	165	65.1%
Kapaa, HI	9,961	171	71.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Pleasant Hill, IA	9,959	100	0.0%
Charter Oak, CA	9,963	143	42.6%
River Grove, IL	9,957	106	6.1%
Boiling Springs, SC	9,953	95	5.2%
Lambertville, MI	9,970	100	0.3%
Kapaa, HI	9,961	171	71.0%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in Kapaa, HI