Haleiwa, HI Cost Of Living

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

The above illustration supplies generalized information for the Haleiwa, HI cost of living index. Compared to other cities in Hawaii and cities across the country, the cost of living index in Haleiwa, HI is 179, which is 2% higher than the Hawaii average and 79% 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 Haleiwa, HI are 1% lower than the average for Hawaii and 26% higher than the rest of the country.

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Did you know?

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.
The cost of housing in Haleiwa is 166% higher than the national average.
Hawaii general sales tax is 18% lower than the national average.
Hawaii state income tax is 37% lower than the national average.

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Compare Haleiwa, HI Cost of living To Other Cities

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

Using the salary calculator lets you compare the salary you earn in Haleiwa, HI to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in Haleiwa, HI, you have to earn a higher income in order to still have the same standard of living. To operate the Haleiwa, HI salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

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 is by simply calculating the maximum that a person should spend on housing in Haleiwa, HI, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. Haleiwa, HI has a median income of about $82,969 for people who own homes. Based on that number, a person should spend a maximum of $1,936 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 of their 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%	8.25%

When you are determining the total cost of living in Haleiwa, 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 4.166%, with the highest surtax being 4.712%. 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 8.25%.

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.
Houghton Lake, MI	3,392	83	-17%
Lutcher, LA	3,392	93	-7%
Laurel Lake, NJ	3,391	98	-2%
Poteet, TX	3,391	80	-20%
Princess Anne, MD	3,391	104	4%
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