Kula 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.
IndexKulaHawaiiNational
Cost of living index204179100
IndexKulaHawaiiNational
Goods & Services index122126100
Groceries index154156100
Health care index110111100
Housing index342247100
Transportation index153153100
Utilities index217227100
Displayed above is a general overview of the Kula, HI cost of living index. The overall cost of living index in Kula, HI is 204, which is 15% higher than the Hawaii average and 104% higher than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in Kula, HI are 3% lower than the Hawaii average and 22% higher than the national average.

Did you know?

  • The cost of living in Kula is 15% higher than the Hawaii average.
  • The cost of living in Kula is 104% higher than the national average.
  • The cost of housing in Kula is 242% 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 Kula, HI Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
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Cost of living index
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Groceries index
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The salary calculator is used in order to provide a comparison of your current salary in Kula, HI to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to Kula, HI, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Kula, HI salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$105,875$8,823$2,470$3,177
Renters$43,897$3,658$1,024$1,317
How much of your monthly income goes to housing can tell you whether or not you can afford housing in Kula, 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 Kula, HI homeowners have a median income of $105,875. Using that number, you will come up with a maximum of $2,470 per month that can be spent on the cost of housing. For those who are renting instead of owning, the median income is $43,897, which means there is a maximum of $1,024 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%
The Hawaii sales tax and Hawaii income tax rates should definitely be considered when determining the overall cost of living in Kula, HI. Sales taxes are taxes that are imposed onto goods and services sold. Sales taxes do vary by state and can range from no tax at all to upwards of 7%. The Hawaii sales tax is 4% and the maximum surtax is 4.5%. Income tax is the tax imposed on income by the government. The income tax rates will vary by state and will also increase or decrease depending on the corresponding tax bracket. State income tax rates can range from anywhere from no tax at all to more than 9%. The Hawaii income tax rates range from 1.4% to 11%.

Goods & Services

ItemKulaNational 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%

Groceries

ItemKulaNational 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

ItemKulaNational 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%

Housing

ItemKulaNational avg.Difference
Home Price $741,200.00$175,700.00321.9%
Avg. Mortgage Payment $3,260.98$1,081.03201.7%
Apartment Rent $1,443.00$920.0056.8%

Transportation

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

Utilities

ItemKulaNational 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.
Haliimaile, HI92816363%
Waihee-Waiehu, HI9,66316565%
Maalaea, HI32616666%
Wailuku, HI16,19616666%
Kihei, HI22,31417070%
Kula, HI6,687204104%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
East Rochester, NY6,68792-8%
Groesbeck, OH6,68890-10%
Litchfield, MN6,68994-6%
Buena Vista, VA6,68389-11%
Taylor Mill, KY6,68291-9%
Kula, HI6,687204104%
Source: The Kula, HI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.