Hawaiian Beaches, Hawaii Cost Of Living

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Overall 36%

Goods & Services 29%

Housing 12%

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	Hawaiian Beaches	Hawaii	National
Cost of living	136	176	100
Goods & Services	129	127	100
Groceries	152	156	100
Health care	119	120	100
Housing	112	250	100
Transportation	146	141	100
Utilities	203	194	100

Key findings

The cost of living in Hawaiian Beaches is 23% lower than the Hawaii average
The cost of living in Hawaiian Beaches is 36% higher than the national average
Hawaiian Beaches housing is 12% 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	$49,803	$4,150	$1,162	$1,494
Renters	$22,650	$1,888	$528	$680

To approximate the cost of living and the housing affordability in Hawaiian Beaches, HI, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Hawaiian Beaches have a median income of $49,803. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,162 per month to avoid calamity and poverty. The renters in the city have an income of about $22,650, which would make their monthly maximum allowable rental costs $528.

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	Hawaiian Beaches	National avg.	Difference
Haircut	$12.17	$17.49	30.4%
Beauty Salon	$31.47	$38.17	17.5%
Toothpaste	$4.08	$2.32	76.0%
Shampoo	$1.72	$1.01	70.3%
Movie	$10.04	$10.72	6.4%
Bowling	$13.87	$13.86	0.1%

Groceries

Item	Hawaiian Beaches	National avg.	Difference
Ground Beef	$4.25	$3.90	9.0%
Fried Chicken	$2.19	$1.40	56.8%
Milk	$3.21	$1.96	63.4%
Potatoes	$4.25	$3.18	33.6%
Pizza	$12.30	$10.39	18.3%
Beer	$7.78	$9.23	15.7%

Health Care

Item	Hawaiian Beaches	National avg.	Difference
Optometrist	$136.85	$106.34	28.7%
Doctor	$133.68	$115.25	16.0%
Dentist	$112.79	$98.38	14.6%
Ibuprofen	$13.01	$9.26	40.5%
Lipitor	$398.63	$466.47	14.5%

Housing

Item	Hawaiian Beaches	National avg.	Difference
Home Price	$199,900.00	$184,700.00	8.2%
Avg. Mortgage Payment	$2,014.49	$1,273.32	58.2%
Apartment Rent	$1,154.00	$949.00	21.6%

Transportation

Item	Hawaiian Beaches	National avg.	Difference
Gasoline	$3.16	$2.59	22.0%
Tire Balancing	$72.96	$48.90	49.2%

Utilities

Item	Hawaiian Beaches	National avg.	Difference
All Electricity	$431.66	$167.60	157.5%
Phone	$39.39	$163.42	75.9%

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.
Eden Roc, HI	599	121	21%
Fern Forest, HI	669	123	23%
Fern Acres, HI	1,392	129	29%
Nanawale Estates, HI	1,590	130	30%
Ainaloa, HI	3,102	130	30%
Hawaiian Beaches, HI	5,035	136	36%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
South Highpoint, FL	5,034	88	-12%
Hidden Valley, IN	5,036	105	5%
South Sarasota, FL	5,032	120	20%
Warm Mineral Springs, FL	5,038	98	-2%
Bigfork, MT	5,032	114	14%
Hawaiian Beaches, HI	5,035	136	36%

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

Hawaiian Beaches, HI Cost of Living