Kailua cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
Cost of living index155179100
Goods & Services index122126100
Groceries index154156100
Health care index110111100
Housing index179247100
Transportation index153153100
Utilities index217227100
The above illustration supplies generalized information for the Kailua, HI cost of living index. Compared to other cities in Hawaii and cities across the country, the cost of living index in Kailua, HI is 155, which is 13% lower than the Hawaii average and 55% higher than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in Kailua, HI are 3% lower than the average for Hawaii and 22% higher than the rest of the country.

Did you know?

  • The cost of living in Kailua is 13% lower than the Hawaii average.
  • The cost of living in Kailua is 55% higher than the national average.
  • The cost of housing in Kailua is 79% higher than the national average.
  • Hawaii general sales tax is 21% lower than the national average.
  • Hawaii state income tax is 37% lower than the national average.

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Compare Kailua, HI Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator is meant to help you compare your salary in Kailua, HI to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in Kailua, HI, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the Kailua, HI salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
The affordability of the housing market in Kailua, HI as well as the overall cost of living can be indicated accurately 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 ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Kailua, HI homeowners, the median income is $67,668. This indicates that a monthly maximum of $1,579 should be spent by homeowners on all housing related costs. Renters have a median income of $40,533. This indicates that renters should have a maximum of $946 used for their rent related monthly costs.

Hawaii Sales Tax

StateGeneral Sales TaxWith Max Surtax

Hawaii Income Tax

StateIncome Tax (Low)Income Tax (High)
One thing to keep in mind when considering the cost of living in Kailua, HI is the Hawaii sales tax and Hawaii income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The Hawaii sales tax rate is 4% and the maximum surtax that can be charged is 4.5%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The Hawaii income tax rates range from 1.4% to 11%.

Goods & Services

ItemKailuaNational avg.Difference
Haircut $15.80$14.598.3%
Beauty Salon $51.00$34.6847.1%
Toothpaste $3.69$2.4749.2%
Shampoo $1.52$1.0248.7%
Movie $11.30$9.8714.5%
Bowling $3.60$4.3918.0%


ItemKailuaNational avg.Difference
Ground Beef $4.97$4.4811.0%
Fried Chicken $2.19$1.4649.6%
Milk $3.67$2.3655.7%
Potatoes $6.48$3.06111.7%
Pizza $11.99$9.2429.7%
Beer $8.69$8.630.7%

Health Care

ItemKailuaNational avg.Difference
Optometrist $159.23$99.7859.6%
Doctor $119.55$105.0313.8%
Dentist $101.93$88.7014.9%
Ibuprofen $13.62$9.4144.7%
Lipitor $223.59$298.5025.1%


ItemKailuaNational avg.Difference
Home Price $366,300.00$175,700.00108.5%
Avg. Mortgage Payment $3,260.98$1,081.03201.7%
Apartment Rent $1,007.00$920.009.5%


ItemKailuaNational avg.Difference
Gasoline $3.35$2.0960.0%
Tire Balancing $60.40$45.2933.4%


ItemKailuaNational avg.Difference
All Electricity$509.58$170.80198.4%
Phone $28.95$28.262.5%
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, StatePopulationCost of Living IndexNational Avg.
Waimanalo Beach, HI4,43915858%
Waimalu, HI12,68016161%
Hickam Housing, HI8,57316767%
Kaneohe Station, HI11,34216767%
Waimanalo, HI5,80717878%
Kailua, HI12,72715555%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Short Hills, NJ12,729213113%
Herrin, IL12,72182-18%
Superior, CO12,71613434%
Port Orchard, WA12,71512020%
Verde Village, AZ12,73992-8%
Kailua, HI12,72715555%
Source: The Kailua, HI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.