Cost of Living in Holualoa, HI

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F
112%
Overall NAT. AVG.
24%
Groceries NAT. AVG.
319%
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 Holualoa Hawaii National
Cost of living212163100
Groceries124126100
Health care116119100
Housing419252100
Transportation123121100
Utilities131131100
Lifestyle & Entertainment127127100
Household Items115115100
Education & Childcare128132100
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Homes For Sale In Holualoa, HI

property for sale

75-635 Kula Kai St

Kailua-Kona, HI
property for sale

77-6455 Leilani St

Kailua Kona, HI
property for sale

76-207 Haoa St

Kailua Kona, HI
property for sale

75-6008 Alii Dr #138

Kailua Kona, HI

Cost Of Living Quick Facts

  • The cost of living in Holualoa is 30% higher than the Hawaii average
  • The cost of living in Holualoa is 112% higher than the national average
  • Holualoa housing is 319% 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 Holualoa

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Compare Holualoa, 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$190,436$15,870$4,443$5,714
      Renters$81,820$6,818$1,909$2,455
      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 $190,436. This indicates that a monthly maximum of $4,443 should be spent by homeowners on all housing related costs. Renters have a median income of $81,820. This indicates that renters would have a maximum of $1,909 for their rent related monthly costs.

      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.
      Kealakekua, HI2,46415150.8%
      Kalaoa, HI11,59415454.0%
      Honaunau-Napoopoo, HI2,59415757.0%
      Captain Cook, HI4,47516363.2%
      Honalo, HI83416564.9%
      Holualoa, HI2,901212112.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Norwood, NC2,9019010.2%
      Tilton Northfield, NH2,901991.0%
      Ferris, TX2,901946.3%
      Moose Lake, MN2,900927.9%
      Delta, OH2,9008613.8%
      Holualoa, HI2,901212112.0%
      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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