Wailuku 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.
IndexWailukuHawaiiNational
Cost of living index165175100
IndexWailukuHawaiiNational
Goods & Services index125127100
Groceries index164155100
Health care index113115100
Housing index216247100
Transportation index134134100
Utilities index202207100
The above illustration supplies generalized information for the Wailuku, HI cost of living index. Compared to other cities in Hawaii and cities across the country, the cost of living index in Wailuku, HI is 165, which is 5% lower than the Hawaii average and 65% higher than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in Wailuku, HI are 1% lower than the average for Hawaii and 25% higher than the rest of the country.

Did you know?

  • The cost of living in Wailuku is 5% lower than the Hawaii average.
  • The cost of living in Wailuku is 65% higher than the national average.
  • The cost of housing in Wailuku is 116% 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 Wailuku, HI Cost of living To Other Cities

Salary Calculator

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The salary calculator is used in order to provide a comparison of your current salary in Wailuku, 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 Wailuku, HI, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Wailuku, 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$86,385$7,199$2,016$2,592
Renters$45,321$3,777$1,057$1,360
If you want to find a good determining factor for the cost of living and the general affordability of housing in Wailuku, HI, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Wailuku, HI, the median monthly income is $86,385 for those who own their own homes. Under the standard rule, that income level would allow for $2,016 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $45,321, per the median income in the area. That would allow for renters to spend up to $1,057 on monthly rental expenses.

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 Wailuku, 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

ItemWailukuNational 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

ItemWailukuNational 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

ItemWailukuNational 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

ItemWailukuNational avg.Difference
Home Price $458,900.00$175,700.00161.2%
Avg. Mortgage Payment $3,634.21$1,133.23220.7%
Apartment Rent $1,009.00$920.009.7%

Transportation

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

Utilities

ItemWailukuNational 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.
Napili-Honokowai, HI6,49115858%
Haliimaile, HI92816262%
Waihee-Waiehu, HI9,66316363%
Maalaea, HI32616565%
Kihei, HI22,31416969%
Wailuku, HI16,19616565%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Chickasha, OK16,19579-21%
Cohoes, NY16,1951022%
Dublin, GA16,20081-19%
Truckee, CA16,19114141%
Floral Park, NY16,19016969%
Wailuku, HI16,19616565%
Source: The Wailuku, HI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.