Cost Of Living in Waimanalo, 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	Waimanalo	Hawaii	National
Cost of living	175	173	100
Goods & Services	127	130	100
Groceries	117	137	100
Health care	123	126	100
Housing	283	250	100
Transportation	135	143	100
Utilities	151	180	100

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Cost Of Living Quick Facts

The cost of living in Waimanalo is 1% higher than the Hawaii average
The cost of living in Waimanalo is 75% higher than the national average
Waimanalo housing is 183% 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	$138,214	$11,518	$3,225	$4,147
Renters	$61,574	$5,131	$1,437	$1,847

To approximate the cost of living and the housing affordability in Waimanalo, HI, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Waimanalo have a median income of $138,214. Therefore, the amount that a consumer should spend on housing costs should be no more than $3,225 per month to avoid calamity and poverty. The renters in the city have an income of about $61,574, which would make their monthly maximum allowable rental costs $1,437.

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	Waimanalo	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	Waimanalo	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	Waimanalo	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	Waimanalo	National avg.	Difference
Home Price	$635,900.00	$184,700.00	244.3%
Avg. Mortgage Payment	$8,008.77	$2,346.69	241.3%
Apartment Rent	$1,327.00	$949.00	39.8%

Transportation

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

Utilities

Item	Waimanalo	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.
Kailua CDP (Hawaii County), HI	13,617	148	48.1%
Waimalu, HI	13,714	159	58.8%
Waimanalo Beach, HI	4,280	168	68.1%
Kaneohe Station, HI	11,072	176	76.2%
Honolulu, HI	347,181	185	85.4%
Waimanalo, HI	5,599	175	75.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Edinboro, PA	5,599	97	2.8%
Rusk, TX	5,598	84	16.2%
Brookshire, TX	5,601	88	12.4%
Warren, AR	5,596	77	22.6%
Houghton Lake, MI	5,596	84	15.8%
Waimanalo, HI	5,599	175	75.5%

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 Waimanalo, HI