Waialua 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.
IndexWaialuaHawaiiNational
Cost of living index188179100
IndexWaialuaHawaiiNational
Goods & Services index122126100
Groceries index154156100
Health care index110111100
Housing index287247100
Transportation index153153100
Utilities index217227100
A general overview of the cost of living index for Waialua, HI is displayed above. In Waialua, HI, the overall cost of living index is 188, which is 5% higher than the Hawaii average and 88% 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 Waialua, HI, the city's goods and services are 3% lower than the Hawaii average and 22% higher than the U.S. average.

Did you know?

  • The cost of living in Waialua is 5% higher than the Hawaii average.
  • The cost of living in Waialua is 88% higher than the national average.
  • The cost of housing in Waialua is 187% 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.

Find Real Estate Listings In Waialua

Location
Price
Bedrooms
Bathrooms
 

New Real Estate Listings In Waialua

Compare Waialua, 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
Using the salary calculator lets you compare the salary you earn in Waialua, HI to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in Waialua, HI, you have to earn a higher income in order to still have the same standard of living. To operate the Waialua, HI salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$80,500$6,708$1,878$2,415
Renters$62,066$5,172$1,448$1,862
The affordability of the housing market in Waialua, 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 Waialua, HI homeowners, the median income is $80,500. This indicates that a monthly maximum of $1,878 should be spent by homeowners on all housing related costs. Renters have a median income of $62,066. This indicates that renters should have a maximum of $1,448 used for their rent related monthly costs.

Hawaii Sales Tax

StateGeneral Sales TaxWith Max Surtax
Hawaii4%4.5%

Hawaii Income Tax

StateIncome Tax (Low)Income Tax (High)
Hawaii1.4%11%
One thing to keep in mind when considering the cost of living in Waialua, 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

ItemWaialuaNational 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

ItemWaialuaNational 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

ItemWaialuaNational 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

ItemWaialuaNational avg.Difference
Home Price $597,100.00$175,700.00239.8%
Avg. Mortgage Payment $3,260.98$1,081.03201.7%
Apartment Rent $1,511.00$920.0064.2%

Transportation

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

Utilities

ItemWaialuaNational 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.
Makaha Valley, HI1,30713232%
Nanakuli, HI12,18114747%
Makaha, HI8,66315151%
Waianae, HI12,69415151%
Waipio Acres, HI4,80715757%
Waialua, HI3,92918888%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Reamstown, PA3,9291033%
Saugerties, NY3,93011212%
Lawrence Park, PA3,93086-14%
Wintersville, OH3,93091-9%
Hawaiian Ocean View, HI3,92712727%
Waialua, HI3,92918888%
Source: The Waialua, HI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.