Kapolei 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.
IndexKapoleiHawaiiNational
Cost of living index172175100
IndexKapoleiHawaiiNational
Goods & Services index125127100
Groceries index164155100
Health care index113115100
Housing index238247100
Transportation index134134100
Utilities index202207100
A general overview of the cost of living index for Kapolei, HI is displayed above. In Kapolei, HI, the overall cost of living index is 172, which is 2% lower than the Hawaii average and 72% 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 Kapolei, 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 Kapolei is 2% lower than the Hawaii average.
  • The cost of living in Kapolei is 72% higher than the national average.
  • The cost of housing in Kapolei is 138% 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 Kapolei, HI Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current income in Kapolei, HI to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of Kapolei, HI, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Kapolei, HI salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$103,548$8,629$2,416$3,107
Renters$64,271$5,356$1,500$1,928
How much of your monthly income goes to housing can tell you whether or not you can afford housing in Kapolei, HI, as well as what the average cost of living is. 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 payment and not more than 36 percent of income on all expenses and debts. In Kapolei, HI homeowners have a median income of $103,548. Using that number, you will come up with a maximum of $2,416 per month that can be spent on the cost of housing. For those who are renting instead of owning, the median income is $64,271, which means there is a maximum of $1,500 to be spent on the costs of renting a home or apartment.

Hawaii Sales Tax

StateGeneral Sales TaxWith Max Surtax
Hawaii4%4.5%

Hawaii Income Tax

StateIncome Tax (Low)Income Tax (High)
Hawaii1.4%11%
When you are determining the total cost of living in Kapolei, HI you will want to make sure you consider both the Hawaii sales tax and the Hawaii income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in Hawaii is 4%, with the highest surtax being 4.5%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in Hawaii have a range from 1.4% to 11%.

Goods & Services

ItemKapoleiNational avg.Difference
Haircut $16.00$15.562.8%
Beauty Salon $53.37$36.1147.8%
Toothpaste $3.66$2.4748.2%
Shampoo $1.72$0.9678.2%
Movie $11.71$10.1315.6%
Bowling $3.85$4.7418.7%

Groceries

ItemKapoleiNational avg.Difference
Ground Beef $4.88$3.9822.4%
Fried Chicken $2.16$1.4153.7%
Milk $3.79$2.0683.5%
Potatoes $5.38$2.9880.5%
Pizza $11.99$9.4726.6%
Beer $8.76$8.790.4%

Health Care

ItemKapoleiNational avg.Difference
Optometrist $146.94$101.0445.4%
Doctor $110.63$107.443.0%
Dentist $94.66$90.424.7%
Ibuprofen $13.56$9.2846.1%
Lipitor $477.26$426.5011.9%

Housing

ItemKapoleiNational avg.Difference
Home Price $449,800.00$175,700.00156.0%
Avg. Mortgage Payment $3,634.21$1,133.23220.7%
Apartment Rent $1,793.00$920.0094.9%

Transportation

ItemKapoleiNational avg.Difference
Gasoline $2.58$1.9929.2%
Tire Balancing $65.52$45.7643.2%

Utilities

ItemKapoleiNational avg.Difference
All Electricity$455.51$163.81178.1%
Phone $28.95$28.392.0%
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, StatePopulationCost of Living IndexNational Avg.
Makaha Valley, HI1,30713131%
Nanakuli, HI12,18114646%
Makaha, HI8,66314949%
Waianae, HI12,69415050%
Waipio Acres, HI4,80715656%
Kapolei, HI16,89017272%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Hinsdale, IL16,89818787%
Center Point, AL16,87685-15%
Mount Vernon, OH16,91983-17%
Santa Fe Springs, CA16,85913232%
Marco Island, FL16,92114343%
Kapolei, HI16,89017272%
Source: The Kapolei, HI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.