Cost of Living in Waialua, HI

Get 300+ Local Insights for Any Address in Waialua, HI

Get Access to 300+ Local Data Points
F
84%
Overall NAT. AVG.
24%
Groceries NAT. AVG.
227%
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 Waialua Hawaii National
Cost of living184163100
Groceries124126100
Health care116119100
Housing327252100
Transportation117121100
Utilities131131100
Lifestyle & Entertainment126127100
Household Items112115100
Education & Childcare132132100
Does this Area Fit Your Budget? Local Insights Report
  • Know the community before you call it home
  • Compare multiple areas side by side
  • Access over 300 data points for any address
Local Insights Report

Homes For Sale In Waialua, HI

property for sale

68-615 Farrington Hwy Unit 23A

Waialua, HI
property for sale

68-37 Apuhihi St Unit A

Waialua, HI
property for sale

68-121 Au St #301

Waialua, HI
property for sale

68-077 Au St Unit 3C

Waialua, HI

Cost Of Living Quick Facts

  • The cost of living in Waialua is 13% higher than the Hawaii average
  • The cost of living in Waialua is 84% higher than the national average
  • Waialua housing is 227% 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 Waialua

See all the best places to live around Waialua

Compare Waialua, HI Cost of Living

City Image
    City Default Image
      vs
      How would you rate the cost of living in Waialua?
      Write a review to give others more information about this area.
      Is the cost of living increasing or decreasing in Waialua?
      Write a review to give others more information about this area.
      See all Waialua poll results

      The best places in Hawaii

      Here are the best places to live in HawaiiSee the best places to live in WaialuaCheck out the 10 most dangerous cities in HawaiiThese are the largest cities in Hawaii
      Best Places in Hawaii

      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$140,762$11,730$3,284$4,223
      Renters$69,987$5,832$1,633$2,100
      The affordability of the housing market in Waialua, 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 Waialua homeowners, the median income is $140,762. This indicates that a monthly maximum of $3,284 should be spent by homeowners on all housing related costs. Renters have a median income of $69,987. This indicates that renters would have a maximum of $1,633 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.
      Waianae, HI13,61214140.9%
      Makaha, HI10,41114342.7%
      Nanakuli, HI11,83014545.1%
      Waipio Acres, HI5,72415453.8%
      Waimalu, HI14,08415555.3%
      Waialua, HI3,19418483.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Calera, OK3,194928.3%
      McSherrystown, PA3,193973.0%
      Clayton, NM3,1958416.4%
      Sixteen Mile Stand, OH3,19213332.7%
      West Union, OH3,1928217.7%
      Waialua, HI3,19418483.5%
      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.
      General
      For Professionals
      Follow Us
      AV on Twitter AV on Facebook
      © AreaVibes Inc. 2010-2026