Haleiwa, Hawaii Cost Of Living

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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.
Index	Haleiwa	Hawaii	National
Cost of living	179	176	100
Goods & Services	126	127	100
Groceries	161	156	100
Health care	120	120	100
Housing	266	250	100
Transportation	136	141	100
Utilities	185	194	100

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

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$82,969	$6,914	$1,936	$2,489
Renters	$43,095	$3,591	$1,005	$1,293

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

State	General Sales Tax	With Max Surtax
Hawaii	4.166%	4.712%

Hawaii Income Tax

State	Income Tax (Low)	Income Tax (High)
Hawaii	1.4%	11%

Goods & Services

Item	Haleiwa	National avg.	Difference
Haircut	$17.80	$17.49	1.8%
Beauty Salon	$72.00	$38.17	88.6%
Toothpaste	$3.62	$2.32	56.0%
Shampoo	$1.76	$1.01	73.9%
Movie	$12.24	$10.72	14.1%
Bowling	$18.20	$13.86	31.3%

Groceries

Item	Haleiwa	National avg.	Difference
Ground Beef	$5.11	$3.90	31.0%
Fried Chicken	$2.14	$1.40	53.3%
Milk	$3.92	$1.96	99.8%
Potatoes	$10.17	$3.18	219.5%
Pizza	$13.99	$10.39	34.6%
Beer	$9.59	$9.23	3.9%

Health Care

Item	Haleiwa	National avg.	Difference
Optometrist	$176.10	$106.34	65.6%
Doctor	$149.60	$115.25	29.8%
Dentist	$102.00	$98.38	3.7%
Ibuprofen	$13.41	$9.26	44.8%
Lipitor	$531.25	$466.47	13.9%

Housing

Item	Haleiwa	National avg.	Difference
Home Price	$588,600.00	$184,700.00	218.7%
Avg. Mortgage Payment	$4,947.54	$1,273.32	288.6%
Apartment Rent	$1,370.00	$949.00	44.4%

Transportation

Item	Haleiwa	National avg.	Difference
Gasoline	$3.60	$2.59	38.9%
Tire Balancing	$65.80	$48.90	34.6%

Utilities

Item	Haleiwa	National avg.	Difference
All Electricity	$430.16	$167.60	156.7%
Phone	$173.45	$163.42	6.1%

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, State	Population	Cost of Living Index	National Avg.
Makaha Valley, HI	1,631	130	30%
Waianae, HI	13,426	147	47%
Nanakuli, HI	12,042	147	47%
Makaha, HI	8,934	151	51%
Waipio Acres, HI	5,169	153	53%
Haleiwa, HI	3,392	179	79%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
Lutcher, LA	3,392	93	-7%
Houghton Lake, MI	3,392	83	-17%
Poteet, TX	3,391	80	-20%
Princess Anne, MD	3,391	104	4%
New Hope, MS	3,393	89	-11%
Haleiwa, HI	3,392	179	79%

Source: The Haleiwa, HI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.

Haleiwa, HI Cost of Living

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