Waimalu 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.
Cost of living index161179100
Goods & Services index122126100
Groceries index154156100
Health care index110111100
Housing index196247100
Transportation index153153100
Utilities index217227100
An overview of the general cost of living index for Waimalu, HI is displayed above for your reference. Residents in Waimalu, HI enjoy a cost of living index of 161. This index is 10% lower than the Hawaii average, and 61% 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 Waimalu, 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 Waimalu is 10% lower than the Hawaii average.
  • The cost of living in Waimalu is 61% higher than the national average.
  • The cost of housing in Waimalu is 96% 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 Waimalu, 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
The salary calculator is meant to help you compare your salary in Waimalu, HI to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in Waimalu, HI, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the Waimalu, HI salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Waimalu, HI as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Waimalu, HI homeowners, is $85,825. This would allow for a maximum of $2,002 per month to be spent on housing costs. For renters, the median monthly income is $59,368 which would result in a maximum of $1,385 to be spent on rental costs.

Hawaii Sales Tax

StateGeneral Sales TaxWith Max Surtax

Hawaii Income Tax

StateIncome Tax (Low)Income Tax (High)
When considering the overall cost of living expenses in Waimalu, HI, it's important to take into account the sales tax for Hawaii, as well as the rate for income tax in Hawaii. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Hawaii is 4.5%, and the sales tax in the state of Hawaii is 4%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Hawaii starts from 1.4% and goes up to 11%.

Goods & Services

ItemWaimaluNational 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%


ItemWaimaluNational 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

ItemWaimaluNational 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%


ItemWaimaluNational avg.Difference
Home Price $370,800.00$175,700.00111.0%
Avg. Mortgage Payment $3,260.98$1,081.03201.7%
Apartment Rent $1,476.00$920.0060.4%


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


ItemWaimaluNational 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.
Nanakuli, HI12,18114747%
Kailua, HI12,72715555%
Waipio Acres, HI4,80715757%
Ewa Villages, HI7,14116161%
Ewa Beach, HI14,29116565%
Waimalu, HI12,68016161%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
West Richland, WA12,68095-5%
Wakefield, VA12,68416060%
Lindsay, CA12,68896-4%
Wickliffe, OH12,67195-5%
Camp Pendleton South, CA12,69114040%
Waimalu, HI12,68016161%
Source: The Waimalu, HI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.