Waianae, Hawaii Cost Of Living

F

40%

Overall NAT. AVG.

27%

Goods & Services NAT. AVG.

58%

Housing NAT. AVG.

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2023; 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.
Index	Waianae	Hawaii	National
Cost of living	140	174	100
Goods & Services	127	130	100
Groceries	150	154	100
Health care	118	123	100
Housing	158	250	100
Transportation	126	138	100
Utilities	142	176	100

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Cost Of Living Quick Facts

The cost of living in Waianae is 19% lower than the Hawaii average
The cost of living in Waianae is 40% higher than the national average
Waianae housing is 58% higher than the national average
Hawaii general sales tax is 22% lower than the national average
Hawaii state income tax is 38% lower than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$98,814	$8,235	$2,306	$2,965
Renters	$30,486	$2,541	$711	$915

A good way to judge both the affordability of the housing and the cost of living in Waianae is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Waianae has a median income of about $98,814 for people who own homes. Based on that number, a maximum of $2,306 should be spent on expenses related to housing. Renters have a slightly different median income, which is $30,486. Based on this average, renters should spend no more than $711 on all rental costs if they want to maintain a non-impoverished standard of living.

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%

Goods & Services

Item	Waianae	National avg.	Difference
Haircut	$17.49	$22.08	20.8%
Beauty Salon	$75.67	$42.88	76.5%
Toothpaste	$4.08	$2.57	59.2%
Shampoo	$1.86	$1.15	61.0%
Movie	$15.12	$11.51	31.4%
Bowling	$23.67	$16.62	42.4%

Groceries

Item	Waianae	National avg.	Difference
Ground Beef	$5.54	$4.98	11.1%
Fried Chicken	$2.74	$1.58	73.2%
Milk	$4.32	$2.42	78.4%
Potatoes	$9.37	$3.54	165.0%
Pizza	$14.99	$11.49	30.5%
Beer	$9.87	$10.04	1.7%

Health Care

Item	Waianae	National avg.	Difference
Optometrist	$209.95	$117.76	78.3%
Doctor	$168.32	$125.34	34.3%
Dentist	$97.93	$107.52	8.9%
Ibuprofen	$13.69	$10.26	33.5%
Lipitor	$532.14	$459.24	15.9%

Housing

Item	Waianae	National avg.	Difference
Home Price	$389,700.00	$184,700.00	111.0%
Avg. Mortgage Payment	$5,962.48	$1,697.41	251.3%
Apartment Rent	$1,074.00	$949.00	13.2%

Transportation

Item	Waianae	National avg.	Difference
Gasoline	$5.03	$3.85	30.7%
Tire Balancing	$66.45	$57.01	16.5%

Utilities

Item	Waianae	National avg.	Difference
All Electricity	$309.47	$177.27	74.6%
Phone	$182.54	$189.62	3.7%

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	Population	Cost of Living Index	National Avg.
Kalaeloa, HI	2,421	133	32.8%
Makaha Valley, HI	120	124	23.8%
Nanakuli, HI	11,379	141	40.6%
Makaha, HI	10,087	145	44.6%
Waipio Acres, HI	5,556	146	46.3%
Waianae, HI	13,192	140	40.4%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Mounds View, MN	13,193	99	1.2%
Fostoria, OH	13,193	81	18.9%
Lachute, QC	13,184	n/a
Rogers, MN	13,183	115	15.1%
Clayton, OH	13,201	92	8.4%
Waianae, HI	13,192	140	40.4%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2023; this is the most current data available.