| Index | Kalaoa | Hawaii | National |
| Cost of living | 154 | 163 | 100 |
| Groceries | 124 | 126 | 100 |
| Health care | 116 | 119 | 100 |
| Housing | 226 | 252 | 100 |
| Transportation | 123 | 121 | 100 |
| Utilities | 131 | 131 | 100 |
| Lifestyle & Entertainment | 127 | 127 | 100 |
| Household Items | 115 | 115 | 100 |
| Education & Childcare | 128 | 132 | 100 |
The cost of living in Kalaoa affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Kalaoa is 154, which is 54% higher than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.
If you prioritize affordability when seeking a new place to live, Kalaoa may not be your ideal choice, as it ranks among the most expensive locations in the entire United States. A very small amount of areas exhibit a cost of living at least 20% higher than the national average, and unfortunately, Kalaoa falls into this category, which may not align with your preferences for a budget-friendly living environment.
When it comes to the cost of living in Kalaoa, housing costs are a real heavyweight, often hogging a significant chunk of your earnings. Sadly, in this area, housing expenses for both buying and renting were 125.9% more expensive compared to your average city. That means you'll be shelling out more for homes, rents, mortgage rates and insurance.
The routine items you regularly buy for your home, such as cleaning supplies, personal care products, clothing basics, and kitchen essentials, make up 8% of the cost of living index. In Kalaoa, these items cost 15% more than the national average, making day-to-day living a bit more expensive.
The relentless increase in grocery prices is a noteworthy trend. In the last two years, grocery costs have experienced an upward trajectory of over 10%. Unfortunately, Kalaoa is no exception, where grocery prices are 23.7% above the national average.
Is Kalaoa an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Kalaoa, the median home price is 169.8% higher than what most folks pay across the country, and monthly rent prices are 23.4% higher than the usual rates. Income levels in Kalaoa come in at $98,773, which is 21.4% higher than the national average.
Subsidies: Certain cities or states may implement government subsidies or assistance programs with the goal of alleviating the cost of living pressures on their residents. These programs encompass a broad spectrum of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farming subsidies. Areas offering fewer subsidies may experience a rise in their cost of living.
Taxes: Regions that impose higher taxes, including sales and income taxes, can contribute to an increased cost of living. Higher taxes for everyday necessities such as clothing, utilities and food inevitably leads to higher expenditures. Additionally, a higher income tax rate can also play a role in elevating the overall cost of living. In Kalaoa, the prevailing sales tax rate starts at 4%, and income tax rates kick off at 1.4%.
Housing: Elevated demand for housing within coveted locales has the propensity to escalate both property values and rental rates, thereby serving as a primary catalyst for an augmented cost of living. Conversely, areas witnessing diminished housing demand, particularly within less desirable environs, often experience an inversely proportional effect, leading to price reductions and subsequently contributing to a more modest cost of living. In Kalaoa, the housing index is 125.9% higher than the national average.
The Kalaoa cost of living estimates above use a normalized U.S. average of 100 as the baseline for comparison. Housing values incorporate local home price and rental information from the U.S. Census, while all other estimates are AI-assisted and modeled using expected everyday expenses, local market trends, climate, and transportation-related cost pressures. The results are intended for practical city-to-city comparisons.
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| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $127,136 | $10,595 | $2,966 | $3,814 |
| Renters | $54,738 | $4,562 | $1,277 | $1,642 |
| State | General Sales Tax | With Max Surtax |
| Hawaii | 4% | 4.712% |
| State | Income Tax (Low) | Income Tax (High) |
| Hawaii | 1.4% | 11% |
| City | Population | Cost of Living Index | National Avg. |
| Kealakekua, HI | 2,464 | 151 | 50.8% |
| Waikoloa Village, HI | 7,571 | 155 | 54.5% |
| Honalo, HI | 834 | 165 | 64.9% |
| Kahaluu-Keauhou, HI | 7,514 | 178 | 78.3% |
| Holualoa, HI | 2,901 | 212 | 112.0% |
| Kalaoa, HI | 11,594 | 154 | 54.0% |
| City | Population | Cost of Living Index | National Avg. |
| Lowes Island, VA | 11,593 | 168 | 68.1% |
| Nelson, BC | 11,592 | n/a | |
| Berkley, CO | 11,591 | 124 | 24.3% |
| L'Île-Perrot, QC | 11,591 | n/a | |
| Pike Creek Valley, DE | 11,600 | 112 | 12.0% |
| Kalaoa, HI | 11,594 | 154 | 54.0% |
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