Overall 79%
Goods & Services 26%
Housing 166%
Date & Last Updated: This data reflects 2019 and was released from C2ER in January, 2020; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Cost of living179176100
Goods & Services126127100
Health care120120100

Key findings

  • The cost of living in Haleiwa is 2% higher than the Hawaii average
  • The cost of living in Haleiwa is 79% higher than the national average
  • Haleiwa housing is 166% higher than the national average
  • Hawaii general sales tax is 18% lower than the national average
  • Hawaii state income tax is 43% lower than the national average

Most Affordable Places to Live in and Around Haleiwa

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Compare Haleiwa, HI Cost of Living

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      Price difference in compared to
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      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
      A good way to judge both the affordability of the housing and the cost of living in Haleiwa is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Haleiwa has a median income of about $82,969 for people who own homes. Based on that number, a maximum of $1,936 should be spent on expenses related to housing. Renters have a slightly different median income, which is $43,095. Based on this average, renters should spend no more than $1,005 on all rental costs if they want to maintain a non-impoverished standard of living.

      Hawaii Sales Tax

      StateGeneral Sales TaxWith Max Surtax

      Hawaii Income Tax

      StateIncome Tax (Low)Income Tax (High)

      Goods & Services

      ItemHaleiwaNational avg.Difference
      Haircut $17.80$17.491.8%
      Beauty Salon $72.00$38.1788.6%
      Toothpaste $3.62$2.3256.0%
      Shampoo $1.76$1.0173.9%
      Movie $12.24$10.7214.1%
      Bowling $18.20$13.8631.3%


      ItemHaleiwaNational avg.Difference
      Ground Beef $5.11$3.9031.0%
      Fried Chicken $2.14$1.4053.3%
      Milk $3.92$1.9699.8%
      Potatoes $10.17$3.18219.5%
      Pizza $13.99$10.3934.6%
      Beer $9.59$9.233.9%

      Health Care

      ItemHaleiwaNational avg.Difference
      Optometrist $176.10$106.3465.6%
      Doctor $149.60$115.2529.8%
      Dentist $102.00$98.383.7%
      Ibuprofen $13.41$9.2644.8%
      Lipitor $531.25$466.4713.9%


      ItemHaleiwaNational avg.Difference
      Home Price $588,600.00$184,700.00218.7%
      Avg. Mortgage Payment $4,947.54$1,273.32288.6%
      Apartment Rent $1,370.00$949.0044.4%


      ItemHaleiwaNational avg.Difference
      Gasoline $3.60$2.5938.9%
      Tire Balancing $65.80$48.9034.6%


      ItemHaleiwaNational avg.Difference
      All Electricity$430.16$167.60156.7%
      Phone $173.45$163.426.1%
      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, HI1,63113030%
      Waianae, HI13,42614747%
      Nanakuli, HI12,04214747%
      Makaha, HI8,93415151%
      Waipio Acres, HI5,16915353%
      Haleiwa, HI3,39217979%

      Cities with similar population

      City, StatePopulationCost of Living IndexNational Avg.
      Lutcher, LA3,39293-7%
      Houghton Lake, MI3,39283-17%
      Poteet, TX3,39180-20%
      Princess Anne, MD3,3911044%
      New Hope, MS3,39389-11%
      Haleiwa, HI3,39217979%
      Source: The Haleiwa, HI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.