| Index | Kaneohe | Hawaii | National |
| Cost of living | 200 | 163 | 100 |
| Groceries | 125 | 126 | 100 |
| Health care | 118 | 119 | 100 |
| Housing | 380 | 252 | 100 |
| Transportation | 123 | 121 | 100 |
| Utilities | 130 | 131 | 100 |
| Lifestyle & Entertainment | 128 | 127 | 100 |
| Household Items | 112 | 115 | 100 |
| Education & Childcare | 123 | 132 | 100 |
Are you thinking about relocating, but curious about the potential cost of living in Kaneohe? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Kaneohe stands at 200, making it 100% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.
If affordability is among your top priorities when searching for a new place to live, this area may not be the ideal fit, as the cost of living in Kaneohe is among the most expensive in the United States. Just a minority of areas exhibit a cost of living at least 20% higher than the national average, and unfortunately, Kaneohe falls into this category, which may not align with your goal of finding a budget-friendly living environment.
Housing costs are a major factor in the Kaneohe cost of living index, and they often eat up a big chunk of your take-home pay. Unfortunately, in this area, housing expenses for both homeownership and rentals were 280.5% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.
Recurring household expenses such as cleaning supplies, laundry detergent, toiletries, and kitchen basics are a steady part of monthly spending and make up 8% of the cost of living index. In Kaneohe, these everyday items will cost you 11.7% more than average, making it a slightly more expensive place to call home.
The surge in grocery costs is indeed alarming, especially when groceries make up a large portion of your monthly expenditures. Over the past two years, there has been an inflation of over 10% in grocery prices. Unfortunately, Kaneohe does not fare better, with grocery expenses coming in at 24.6% higher than the national average.
Wondering if Kaneohe is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Kaneohe, for example, the median home price is 355.5% higher than what folks pay nationally, and monthly rent is 105.5% higher than the usual rates. Plus, income levels matter too, with Kaneohe boasting a median household income of $171,076, which is 110.3% higher than the national average.
Urbanization: Larger, urban areas boasting abundant amenities and robust employment prospects often exhibit a heightened cost of living, driven by the increased demand for services and residential relocation. Consequently, this leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural locales or regions marked by diminished demand typically offer a more limited range of amenities and experience slower job market expansion. This translates into a more affordable cost of living.
Healthcare: Healthcare costs and insurance premiums can undergo substantial fluctuations based on the city or state of residence. Elements such as the availability of healthcare facilities, out-of-pocket costs for medical consultations, dental expenses, prescription medication charges and specialized medical care fees all contribute to variations in the cost of living. In Kaneohe, healthcare costs are 17.9% higher than the national average.
Housing: When everyone's vying for homes in popular areas, it drives up property prices and rents, making the overall cost of living surge. On the flip side, in less sought-after locales, where housing demand is low, prices tend to dip, resulting in a more economical cost of living. In Kaneohe, the housing index comes in at 280.5% higher than the national average.
The Kaneohe 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.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $197,204 | $16,434 | $4,601 | $5,917 |
| Renters | $108,252 | $9,021 | $2,526 | $3,248 |
| 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. |
| Kailua CDP (Hawaii County), HI | 14,062 | 142 | 42.2% |
| Waipio Acres, HI | 5,724 | 154 | 53.8% |
| Waimalu, HI | 14,084 | 155 | 55.3% |
| Waimanalo Beach, HI | 4,376 | 162 | 62.5% |
| Wahiawa, HI | 16,989 | 165 | 64.9% |
| Kaneohe, HI | 34,467 | 200 | 100.1% |
| City | Population | Cost of Living Index | National Avg. |
| Cedar City, UT | 34,473 | 105 | 4.8% |
| Midvale, UT | 34,477 | 115 | 14.9% |
| Myrtle Beach, SC | 34,485 | 104 | 4.5% |
| Beverly Hills, CA | 34,487 | 338 | 238.1% |
| Springville, UT | 34,438 | 114 | 14.2% |
| Kaneohe, HI | 34,467 | 200 | 100.1% |
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