Cost of Living in Hawaiian Beaches, HI

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D-
22%
Overall NAT. AVG.
24%
Groceries NAT. AVG.
19%
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 Hawaiian Beaches Hawaii National
Cost of living122163100
Groceries124126100
Health care116119100
Housing119252100
Transportation123121100
Utilities131131100
Lifestyle & Entertainment127127100
Household Items115115100
Education & Childcare128132100
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Homes For Sale In Hawaiian Beaches, HI

property for sale

Ohiki St

Pahoa, HI
property for sale

Opakapaka St

Pahoa, HI
property for sale

15-614 Kahakai Blvd

Pahoa, HI
property for sale

144767 Sadileck Rd

Pahoa, HI

Cost Of Living Quick Facts

  • The cost of living in Hawaiian Beaches is 25% lower than the Hawaii average
  • The cost of living in Hawaiian Beaches is 22% higher than the national average
  • Hawaiian Beaches housing is 19% 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

Most Affordable Places to Live in and Around Hawaiian Beaches

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Compare Hawaiian Beaches, HI Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      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$78,216$6,518$1,825$2,347
      Renters$48,047$4,004$1,121$1,442
      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 $78,216. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,825 per month to avoid calamity and poverty. The renters in the city have an income of about $48,047, which would make their monthly maximum allowable rental costs $1,121.

      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.
      Eden Roc, HI7261077.4%
      Fern Forest, HI65311110.9%
      Nanawale Estates, HI1,43711313.5%
      Ainaloa, HI3,73311918.6%
      Fern Acres, HI1,78312019.6%
      Hawaiian Beaches, HI4,73512221.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Avalon, PA4,735918.7%
      Lake Wisconsin, WI4,73611919.4%
      Montebello, NY4,73317272.4%
      Donora, PA4,7338316.8%
      Morgan's Point Resort, TX4,733954.9%
      Hawaiian Beaches, HI4,73512221.9%
      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.
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