Cost of Living in Kula, HI

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F
127%
Overall NAT. AVG.
27%
Groceries NAT. AVG.
367%
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 Kula Hawaii National
Cost of living227163100
Groceries127126100
Health care119119100
Housing467252100
Transportation120121100
Utilities130131100
Lifestyle & Entertainment126127100
Household Items116115100
Education & Childcare132132100
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Homes For Sale In Kula, HI

property for sale

1041 Lower Kimo Dr

Kula, HI
property for sale

16-255 Haleakala Hwy

Kula, HI
property for sale

24 Waokele Pl

Kula, HI
property for sale

8515 Kula Hwy

Kula, HI

Cost Of Living Quick Facts

  • The cost of living in Kula is 40% higher than the Hawaii average
  • The cost of living in Kula is 127% higher than the national average
  • Kula housing is 367% 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 Kula

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Compare Kula, HI Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
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      Cost of living index
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      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$145,257$12,105$3,389$4,358
      Renters$92,308$7,692$2,154$2,770
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Kula, HI, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Kula, homeowners have a median income of $145,257. Using that number, a maximum of $3,389 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $92,308, which means there is a maximum of $2,154 to be spent on the costs of renting a home or apartment.

      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.
      Maalaea, HI26314847.6%
      Waihee-Waiehu, HI10,98816666.3%
      Wailuku, HI17,88616867.6%
      Kahului, HI30,86717170.6%
      Makawao, HI8,16217474.4%
      Kula, HI6,841227127.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Barnhart, MO6,838945.7%
      Upper Sandusky, OH6,8388712.5%
      Silsbee, TX6,838909.7%
      West Loch Estate, HI6,84418079.7%
      Hapeville, GA6,837982.3%
      Kula, HI6,841227127.1%
      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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