Lahaina 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.
IndexLahainaHawaiiNational
Cost of living index178179100
IndexLahainaHawaiiNational
Goods & Services index122126100
Groceries index154156100
Health care index110111100
Housing index255247100
Transportation index153153100
Utilities index217227100
An overview of the general cost of living index for Lahaina, HI is displayed above for your reference. Residents in Lahaina, HI enjoy a cost of living index of 178. This index is equal to the Hawaii average, and 78% higher than the national average. The following categories are used when determining the cost of living index for any given city: health care (5%), transportation (9%), utilities (10%), groceries (13%), housing (30%), and goods/services (33%). Clearly, housing and goods/services make up the majority of the formula for calculating the cost of living index. Because of this, the general cost of living for any given area can be estimated by looking at the cost of everyday goods in that area. For those living in Lahaina, HI, the average cost of goods and services is 3% lower than it is in Hawaii, and it is 22% higher than the national average.

Did you know?

  • The cost of living in Lahaina is equal to the Hawaii average.
  • The cost of living in Lahaina is 78% higher than the national average.
  • The cost of housing in Lahaina is 155% 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 Lahaina, HI Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current income in Lahaina, 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 Lahaina, HI, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Lahaina, 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$77,407$6,451$1,806$2,322
Renters$46,533$3,878$1,086$1,396
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in Lahaina, HI, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. Lahaina, HI has a median income of about $77,407 for people who own homes. Based on that number, a person should spend a maximum of $1,806 on expenses related to housing. Renters have a slightly different median income, which is $46,533. Based on this average, renters should spend no more than $1,086 on all of their rental costs if they want to maintain a non-impoverished standard of living.

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 Lahaina, 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

ItemLahainaNational 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

ItemLahainaNational 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

ItemLahainaNational 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

ItemLahainaNational avg.Difference
Home Price $544,000.00$175,700.00209.6%
Avg. Mortgage Payment $3,260.98$1,081.03201.7%
Apartment Rent $1,181.00$920.0028.4%

Transportation

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

Utilities

ItemLahainaNational 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.
Ualapu'e, HI44513838%
Napili-Honokowai, HI6,49116060%
Waihee-Waiehu, HI9,66316565%
Maalaea, HI32616666%
Wailuku, HI16,19616666%
Lahaina, HI11,94117878%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Clawson, MI11,94390-10%
Oak Hills, OR11,94613030%
Prairie Ridge, WA11,93511212%
Crestwood, MO11,9341000%
Lake Los Angeles, CA11,94898-2%
Lahaina, HI11,94117878%
Source: The Lahaina, HI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.