Holualoa, Hawaii Cost Of Living

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Overall 74%

Goods & Services 34%

Housing 128%

Date & Last Updated: This data reflects 2022 and was released from C2ER in January, 2022; 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	Holualoa	Hawaii	National
Cost of living	174	176	100
Goods & Services	134	130	100
Groceries	157	155	100
Health care	129	122	100
Housing	228	250	100
Transportation	151	142	100
Utilities	209	187	100

Key findings

The cost of living in Holualoa is 1% lower than the Hawaii average
The cost of living in Holualoa is 74% higher than the national average
Holualoa housing is 128% 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	$76,128	$6,344	$1,776	$2,284
Renters	$67,589	$5,632	$1,577	$2,028

The affordability of the housing market in Holualoa, HI as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Holualoa homeowners, the median income is $76,128. This indicates that a monthly maximum of $1,776 should be spent by homeowners on all housing related costs. Renters have a median income of $67,589. This indicates that renters would have a maximum of $1,577 for their rent related monthly costs.

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	Holualoa	National avg.	Difference
Haircut	$12.17	$20.27	40.0%
Beauty Salon	$31.47	$40.39	22.1%
Toothpaste	$4.08	$2.36	73.1%
Shampoo	$1.72	$1.08	60.1%
Movie	$10.04	$10.99	8.6%
Bowling	$13.87	$15.49	10.5%

Groceries

Item	Holualoa	National avg.	Difference
Ground Beef	$4.25	$4.30	1.0%
Fried Chicken	$2.19	$1.40	56.4%
Milk	$3.21	$2.20	45.5%
Potatoes	$4.25	$3.22	32.1%
Pizza	$12.30	$10.74	14.5%
Beer	$7.78	$9.60	18.9%

Health Care

Item	Holualoa	National avg.	Difference
Optometrist	$136.85	$109.73	24.7%
Doctor	$133.68	$118.34	13.0%
Dentist	$112.79	$100.94	11.7%
Ibuprofen	$13.01	$9.93	31.0%
Lipitor	$398.63	$469.53	15.1%

Housing

Item	Holualoa	National avg.	Difference
Home Price	$470,600.00	$184,700.00	154.8%
Avg. Mortgage Payment	$2,014.49	$1,229.62	63.8%
Apartment Rent	$1,569.00	$949.00	65.3%

Transportation

Item	Holualoa	National avg.	Difference
Gasoline	$3.16	$2.71	16.7%
Tire Balancing	$72.96	$51.86	40.7%

Utilities

Item	Holualoa	National avg.	Difference
All Electricity	$431.66	$170.84	152.7%
Phone	$39.39	$187.18	79.0%

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	Population	Cost of Living Index	National Avg.
Honalo, HI	2,290	155	54.6%
Kealakekua, HI	1,966	163	62.7%
Honaunau-Napoopoo, HI	2,759	173	72.6%
Kalaoa, HI	11,198	173	72.6%
Captain Cook, HI	4,378	175	75.0%
Holualoa, HI	9,439	174	74.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Valley, AL	9,439	86	13.7%
Smiths Falls, ON	9,439	n/a
Dayton, NV	9,437	98	2.1%
Clinton, OK	9,436	85	14.6%
Rensselaer, NY	9,435	98	1.6%
Holualoa, HI	9,439	174	74.1%

Source: This data reflects 2021 and was released from C2ER in January, 2022; this is the most current data available.