Cost Of Living in Hanamaulu, HI

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F

52%

Overall NAT. AVG.

24%

Groceries NAT. AVG.

123%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Hanamaulu	Hawaii	National
Cost of living	152	163	100
Groceries	124	126	100
Health care	116	119	100
Housing	223	252	100
Transportation	117	121	100
Utilities	131	131	100
Lifestyle & Entertainment	126	127	100
Household Items	112	115	100
Education & Childcare	132	132	100

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Cost Of Living Quick Facts

The cost of living in Hanamaulu is 6% lower than the Hawaii average
The cost of living in Hanamaulu is 52% higher than the national average
Hanamaulu housing is 123% higher than the national average
Hawaii general sales tax is 22% lower than the national average
Hawaii state income tax is 46% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$139,085	$11,590	$3,245	$4,173
Renters	$67,501	$5,625	$1,575	$2,025

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Hanamaulu, HI, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Hanamaulu, homeowners have a median income of $139,085. Using that number, a maximum of $3,245 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $67,501, which means there is a maximum of $1,575 to be spent on the costs of renting a home or apartment.

Hawaii Sales Tax

State	General Sales Tax	With Max Surtax
Hawaii	4%	4.712%

Hawaii Income Tax

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

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Anahola, HI	2,476	151	50.8%
Puhi, HI	4,454	157	56.8%
Wailua, HI	2,553	162	61.7%
Kapaa, HI	10,232	168	67.8%
Wainiha, HI	204	170	69.6%
Hanamaulu, HI	4,817	152	52.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Wanamassa, NJ	4,816	137	37.3%
Blackwood, NJ	4,818	110	10.2%
Kahaluu, HI	4,815	211	110.6%
Edinburgh, IN	4,815	87	12.6%
Ellisville, MS	4,819	83	16.6%
Hanamaulu, HI	4,817	152	52.5%