Cost Of Living in Kula, 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	Kula	Hawaii	National
Cost of living	228	173	100
Goods & Services	127	130	100
Groceries	117	137	100
Health care	123	126	100
Housing	459	250	100
Transportation	135	143	100
Utilities	151	180	100

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Cost Of Living Quick Facts

The cost of living in Kula is 32% higher than the Hawaii average
The cost of living in Kula is 128% higher than the national average
Kula housing is 359% 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	$95,664	$7,972	$2,232	$2,870
Renters	$61,199	$5,100	$1,428	$1,836

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Kula, HI, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Kula, homeowners have a median income of $95,664. Using that number, a maximum of $2,232 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $61,199, which means there is a maximum of $1,428 to be spent on the costs of renting a home or apartment.

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	Kula	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	Kula	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	Kula	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	Kula	National avg.	Difference
Home Price	$1,086,400.00	$184,700.00	488.2%
Avg. Mortgage Payment	$8,008.77	$2,346.69	241.3%
Apartment Rent	$1,494.00	$949.00	57.4%

Transportation

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

Utilities

Item	Kula	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.
Maalaea, HI	258	151	50.8%
Waihee-Waiehu, HI	10,771	169	69.4%
Wailuku, HI	17,523	170	69.9%
Kahului, HI	29,993	173	73.4%
Makawao, HI	7,989	176	75.9%
Kula, HI	6,687	228	128.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
West Loch Estate, HI	6,685	184	83.6%
Woodfin, NC	6,689	109	8.7%
Crescent City, CA	6,690	102	2.2%
Walden, NY	6,683	118	18.1%
Maple Glen, PA	6,691	139	38.9%
Kula, HI	6,687	228	128.3%

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 Kula, HI