Waipahu 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 index174179100
Goods & Services index122126100
Groceries index154156100
Health care index110111100
Housing index242247100
Transportation index153153100
Utilities index217227100
An overview of the general cost of living index for Waipahu, HI is displayed above for your reference. Residents in Waipahu, HI enjoy a cost of living index of 174. This index is 2% lower than the Hawaii average, and 74% 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 Waipahu, 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 Waipahu is 2% lower than the Hawaii average.
  • The cost of living in Waipahu is 74% higher than the national average.
  • The cost of housing in Waipahu is 142% 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 Waipahu, 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 Waipahu, 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 Waipahu, HI, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the Waipahu, 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)
If you want to find a good determining factor for the cost of living and the general affordability of housing in Waipahu, 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 Waipahu, HI, the median monthly income is $94,417 for those who own their own homes. Under the standard rule, that income level would allow for $2,203 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $43,094, per the median income in the area. That would allow for renters to spend up to $1,005 on monthly rental expenses.

Hawaii Sales Tax

StateGeneral Sales TaxWith Max Surtax

Hawaii Income Tax

StateIncome Tax (Low)Income Tax (High)
When assessing the complete cost of living in Waipahu, HI, the Hawaii income tax and the Hawaii sales tax percentages should unquestionably be taken into consideration. Sales taxes aren't just levies imposed onto sold goods, but they also include taxes that are charged when services are provided for a fee. The rates are different from state to state and can run has high as 7 percent. Some states have no sales tax at all. The Hawaii maximum surtax is 4.5%, and the Hawaii sales tax is 4%. By contrast, income tax is an unfortunate obligation that is charged by the government against earnings. Just like sales taxes, the rates for income taxes differ from state to state. They also decrease or increase according to the individual's tax bracket. Tax rates can run as high as 9 percent, with a minimum of zero. Income tax rates range from 1.4% to 11% in Hawaii.

Goods & Services

ItemWaipahuNational 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%


ItemWaipahuNational 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

ItemWaipahuNational 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%


ItemWaipahuNational avg.Difference
Home Price $510,100.00$175,700.00190.3%
Avg. Mortgage Payment $3,260.98$1,081.03201.7%
Apartment Rent $1,186.00$920.0028.9%


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


ItemWaipahuNational 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%
Waipahu, HI40,53217474%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Mableton, GA40,52199-1%
Shelton, CT40,47213838%
Crystal Lake, IL40,5981033%
Brea, CA40,44315555%
Manassas, VA40,43611616%
Waipahu, HI40,53217474%
Source: The Waipahu, HI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.