Cost Of Living in Waialua, 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	Waialua	Hawaii	National
Cost of living	185	173	100
Goods & Services	127	130	100
Groceries	117	137	100
Health care	123	126	100
Housing	315	250	100
Transportation	135	143	100
Utilities	151	180	100

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Cost Of Living Quick Facts

The cost of living in Waialua is 7% higher than the Hawaii average
The cost of living in Waialua is 85% higher than the national average
Waialua housing is 215% 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	$95,500	$7,958	$2,228	$2,865
Renters	$46,339	$3,862	$1,081	$1,390

The affordability of the housing market in Waialua, HI as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Waialua homeowners, the median income is $95,500. This indicates that a monthly maximum of $2,228 should be spent by homeowners on all housing related costs. Renters have a median income of $46,339. This indicates that renters would have a maximum of $1,081 for their rent related monthly costs.

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	Waialua	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	Waialua	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	Waialua	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	Waialua	National avg.	Difference
Home Price	$720,300.00	$184,700.00	290.0%
Avg. Mortgage Payment	$8,008.77	$2,346.69	241.3%
Apartment Rent	$1,333.00	$949.00	40.5%

Transportation

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

Utilities

Item	Waialua	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.
Waianae, HI	13,192	145	45.1%
Makaha, HI	10,087	146	46.3%
Nanakuli, HI	11,379	150	49.9%
Waipio Acres, HI	5,556	157	57.2%
Waimalu, HI	13,714	159	58.8%
Waialua, HI	3,112	185	85.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Mount Penn, PA	3,112	94	5.6%
Sandia Heights, NM	3,111	148	48.2%
San Antonio Heights, CA	3,113	186	86.4%
Pine City, MN	3,113	95	5.1%
Checotah, OK	3,113	80	20.2%
Waialua, HI	3,112	185	85.1%

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 Waialua, HI