Overall 57%
Goods & Services 26%
Housing 92%
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.
IndexKailua CDP (Hawaii County)HawaiiNational
Cost of living157176100
Goods & Services126127100
Health care120120100

Key findings

  • The cost of living in Kailua CDP (Hawaii County) is 11% lower than the Hawaii average
  • The cost of living in Kailua CDP (Hawaii County) is 57% higher than the national average
  • Kailua CDP (Hawaii County) housing is 92% 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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      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
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      Median Income & Debt-To-Income Ratio

      Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
      The affordability of the housing market in Kailua CDP (Hawaii County), 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 Kailua CDP (Hawaii County) homeowners, the median income is $69,890. This indicates that a monthly maximum of $1,631 should be spent by homeowners on all housing related costs. Renters have a median income of $55,694. This indicates that renters would have a maximum of $1,299 for their rent related monthly costs.

      Hawaii Sales Tax

      StateGeneral Sales TaxWith Max Surtax

      Hawaii Income Tax

      StateIncome Tax (Low)Income Tax (High)

      Goods & Services

      ItemKailua CDP (Hawaii County)National avg.Difference
      Haircut $17.80$17.491.8%
      Beauty Salon $72.00$38.1788.6%
      Toothpaste $3.62$2.3256.0%
      Shampoo $1.76$1.0173.9%
      Movie $12.24$10.7214.1%
      Bowling $18.20$13.8631.3%


      ItemKailua CDP (Hawaii County)National avg.Difference
      Ground Beef $5.11$3.9031.0%
      Fried Chicken $2.14$1.4053.3%
      Milk $3.92$1.9699.8%
      Potatoes $10.17$3.18219.5%
      Pizza $13.99$10.3934.6%
      Beer $9.59$9.233.9%

      Health Care

      ItemKailua CDP (Hawaii County)National avg.Difference
      Optometrist $176.10$106.3465.6%
      Doctor $149.60$115.2529.8%
      Dentist $102.00$98.383.7%
      Ibuprofen $13.41$9.2644.8%
      Lipitor $531.25$466.4713.9%


      ItemKailua CDP (Hawaii County)National avg.Difference
      Home Price $412,600.00$184,700.00123.4%
      Avg. Mortgage Payment $4,947.54$1,273.32288.6%
      Apartment Rent $1,118.00$949.0017.8%


      ItemKailua CDP (Hawaii County)National avg.Difference
      Gasoline $3.60$2.5938.9%
      Tire Balancing $65.80$48.9034.6%


      ItemKailua CDP (Hawaii County)National avg.Difference
      All Electricity$430.16$167.60156.7%
      Phone $173.45$163.426.1%
      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, StatePopulationCost of Living IndexNational Avg.
      Waimalu, HI13,47815757%
      Waimanalo Beach, HI4,22716060%
      Punaluu, HI1,12217575%
      Waimanalo, HI6,29617878%
      Hauula, HI3,57818080%
      Kailua CDP (Hawaii County), HI13,61715757%

      Cities with similar population

      City, StatePopulationCost of Living IndexNational Avg.
      Marshall, MN13,61688-12%
      Brandermill, VA13,6161088%
      North Auburn, CA13,62212121%
      Dunmore, PA13,62796-4%
      Miami, OK13,63181-19%
      Kailua CDP (Hawaii County), HI13,61715757%
      Source: The Kailua CDP (Hawaii County), HI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.