Waianae 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.
IndexWaianaeHawaiiNational
Cost of living index150175100
IndexWaianaeHawaiiNational
Goods & Services index125127100
Groceries index164155100
Health care index113115100
Housing index165247100
Transportation index134134100
Utilities index202207100
An overview of the general cost of living index for Waianae, HI is displayed above for your reference. Residents in Waianae, HI enjoy a cost of living index of 150. This index is 14% lower than the Hawaii average, and 50% 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 Waianae, HI, the average cost of goods and services is 1% lower than it is in Hawaii, and it is 25% higher than the national average.

Did you know?

  • The cost of living in Waianae is 14% lower than the Hawaii average.
  • The cost of living in Waianae is 50% higher than the national average.
  • The cost of housing in Waianae is 65% 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 Waianae, HI Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current income in Waianae, 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 Waianae, HI, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Waianae, 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$84,183$7,015$1,964$2,526
Renters$18,750$1,563$437$563
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 Waianae, 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. Waianae, HI has a median income of about $84,183 for people who own homes. Based on that number, a person should spend a maximum of $1,964 on expenses related to housing. Renters have a slightly different median income, which is $18,750. Based on this average, renters should spend no more than $437 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%
One thing to keep in mind when considering the cost of living in Waianae, 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

ItemWaianaeNational 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

ItemWaianaeNational 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

ItemWaianaeNational 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

ItemWaianaeNational avg.Difference
Home Price $308,900.00$175,700.0075.8%
Avg. Mortgage Payment $3,634.21$1,133.23220.7%
Apartment Rent $1,281.00$920.0039.2%

Transportation

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

Utilities

ItemWaianaeNational 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%
Waipio Acres, HI4,80715656%
Maili, HI9,39915757%
Waianae, HI12,69415050%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Kewanee, IL12,69481-19%
Knightdale, NC12,6921022%
Camp Pendleton South, CA12,69113939%
Lindsay, CA12,688100-0%
Fruita, CO12,7021011%
Waianae, HI12,69415050%
Source: The Waianae, HI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.