West Loch Estate 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.
IndexWest Loch EstateHawaiiNational
Cost of living index177179100
IndexWest Loch EstateHawaiiNational
Goods & Services index122126100
Groceries index154156100
Health care index110111100
Housing index252247100
Transportation index153153100
Utilities index217227100
The above illustration supplies generalized information for the West Loch Estate, HI cost of living index. Compared to other cities in Hawaii and cities across the country, the cost of living index in West Loch Estate, HI is 177, which is 1% lower than the Hawaii average and 77% 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 West Loch Estate, HI are 3% lower than the average for Hawaii and 22% higher than the rest of the country.

Did you know?

  • The cost of living in West Loch Estate is 1% lower than the Hawaii average.
  • The cost of living in West Loch Estate is 77% higher than the national average.
  • The cost of housing in West Loch Estate is 152% 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 West Loch Estate, HI Cost of living To Other Cities

Salary Calculator

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The salary calculator allows you to compare how much your current salary in West Loch Estate, HI would be worth in another city. In other words, the salary calculator will adjust the figure you enter for cost of living so that you can determine how much more or much less you would need to earn while maintaining your current quality of living. If you are considering relocating to a more expensive city than West Loch Estate, HI, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The West Loch Estate, HI salary calculator is easy to use. All you do is enter the name of another city, then move the slider to your current income. After that, the salary calculator will crunch the numbers for you and give you the information you need about the place you are considering going. Additionally, it will show a detailed breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$97,500$8,125$2,275$2,925
Renters$69,250$5,771$1,616$2,078
If you want to find a good determining factor for the cost of living and the general affordability of housing in West Loch Estate, 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 West Loch Estate, HI, the median monthly income is $97,500 for those who own their own homes. Under the standard rule, that income level would allow for $2,275 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $69,250, per the median income in the area. That would allow for renters to spend up to $1,616 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%
When you are determining the total cost of living in West Loch Estate, HI you will want to make sure you consider both the Hawaii sales tax and the Hawaii income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in Hawaii is 4%, with the highest surtax being 4.5%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in Hawaii have a range from 1.4% to 11%.

Goods & Services

ItemWest Loch EstateNational 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

ItemWest Loch EstateNational 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

ItemWest Loch EstateNational 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

ItemWest Loch EstateNational avg.Difference
Home Price $468,600.00$175,700.00166.7%
Avg. Mortgage Payment $3,260.98$1,081.03201.7%
Apartment Rent $2,001.00$920.00117.5%

Transportation

ItemWest Loch EstateNational avg.Difference
Gasoline $3.35$2.0960.0%
Tire Balancing $60.40$45.2933.4%

Utilities

ItemWest Loch EstateNational 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%
West Loch Estate, HI5,97117777%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Collinsville, OK5,97089-11%
Welcome, SC5,97289-11%
Penn Estates, PA5,97211010%
New Brighton, PA5,97385-15%
Countryside, IL5,97411010%
West Loch Estate, HI5,97117777%
Source: The West Loch Estate, HI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.