Cost Of Living In Kapaa, HI

Kapaa 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.
Index	Kapaa	Hawaii	National
Cost of living index	169	175	100
Index	Kapaa	Hawaii	National
Goods & Services index	125	127	100
Groceries index	164	155	100
Health care index	113	115	100
Housing index	230	247	100
Transportation index	134	134	100
Utilities index	202	207	100

A general overview of the cost of living index for Kapaa, HI is displayed above. In Kapaa, HI, the overall cost of living index is 169, which is 3% lower than the Hawaii average and 69% higher than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Kapaa, HI, the city's goods and services are 1% lower than the Hawaii average and 25% higher than the U.S. average.

Did you know?

The cost of living in Kapaa is 3% lower than the Hawaii average.
The cost of living in Kapaa is 69% higher than the national average.
The cost of housing in Kapaa is 130% 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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Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

The salary calculator allows you to compare how much your current salary in Kapaa, HI would be worth in another city. In other words, the salary calculator will adjust the figure you enter for cost of living so that you can determine how much more or much less you would need to earn while maintaining your current quality of living. If you are considering relocating to a more expensive city than Kapaa, HI, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Kapaa, HI salary calculator is easy to use. All you do is enter the name of another city, then move the slider to your current income. After that, the salary calculator will crunch the numbers for you and give you the information you need about the place you are considering going. Additionally, it will show a detailed breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$67,873	$5,656	$1,584	$2,036
Renters	$43,977	$3,665	$1,026	$1,319

If you want to find a good determining factor for the cost of living and the general affordability of housing in Kapaa, HI, all you must look at 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, HI, the median monthly income is $67,873 for those who own their own homes. Under the standard rule, that income level would allow for $1,584 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $43,977, per the median income in the area. That would allow for renters to spend up to $1,026 on monthly rental expenses.

Hawaii Sales Tax

State	General Sales Tax	With Max Surtax
Hawaii	4%	4.5%

Hawaii Income Tax

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

For those who live in Kapaa, HI and want to know what the true cost of living is, they ought to look at both the Hawaii income tax rate and the Hawaii sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In Hawaii, the sales tax is 4%, while the most you'll pay in surtax is 4.5%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in Hawaii, the income tax rate ranges between 1.4% to 11%.

Goods & Services

Item	Kapaa	National avg.	Difference
Haircut	$16.00	$15.56	2.8%
Beauty Salon	$53.37	$36.11	47.8%
Toothpaste	$3.66	$2.47	48.2%
Shampoo	$1.72	$0.96	78.2%
Movie	$11.71	$10.13	15.6%
Bowling	$3.85	$4.74	18.7%

Groceries

Item	Kapaa	National avg.	Difference
Ground Beef	$4.88	$3.98	22.4%
Fried Chicken	$2.16	$1.41	53.7%
Milk	$3.79	$2.06	83.5%
Potatoes	$5.38	$2.98	80.5%
Pizza	$11.99	$9.47	26.6%
Beer	$8.76	$8.79	0.4%

Health Care

Item	Kapaa	National avg.	Difference
Optometrist	$146.94	$101.04	45.4%
Doctor	$110.63	$107.44	3.0%
Dentist	$94.66	$90.42	4.7%
Ibuprofen	$13.56	$9.28	46.1%
Lipitor	$477.26	$426.50	11.9%

Housing

Item	Kapaa	National avg.	Difference
Home Price	$467,500.00	$175,700.00	166.1%
Avg. Mortgage Payment	$3,634.21	$1,133.23	220.7%
Apartment Rent	$1,328.00	$920.00	44.3%

Transportation

Item	Kapaa	National avg.	Difference
Gasoline	$2.58	$1.99	29.2%
Tire Balancing	$65.52	$45.76	43.2%

Utilities

Item	Kapaa	National avg.	Difference
All Electricity	$455.51	$163.81	178.1%
Phone	$28.95	$28.39	2.0%

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, State	Population	Cost of Living Index	National Avg.
Anahola, HI	2,122	154	54%
Puhi, HI	3,572	155	55%
Waimea CDP (Kauai County), HI	1,859	157	57%
Eleele, HI	2,723	160	60%
Hanamaulu, HI	4,398	162	62%
Kapaa, HI	10,582	169	69%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
Melvindale, MI	10,584	83	-17%
Struthers, OH	10,574	82	-18%
Gardere, LA	10,594	94	-6%
Forestville, OH	10,595	100	0%
Vidalia, GA	10,596	82	-18%
Kapaa, HI	10,582	169	69%

Source: The Kapaa, HI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.

Kapaa, HI Cost of Living