Cost of Living in Waikele, HI

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F
81%
Overall NAT. AVG.
22%
Goods & Services NAT. AVG.
184%
Housing NAT. AVG.
Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; 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 Waikele Hawaii National
Cost of living181176100
Goods & Services122128100
Groceries132144100
Health care128128100
Housing284252100
Transportation141146100
Utilities193201100
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Homes For Sale In Waikele, HI

property for sale

94-689 Lumiaina St

Waipahu, HI
property for sale

94-515 Lumiaina St Unit L202

Waipahu, HI
property for sale

94-835 Lumiauau St Unit K105

Waipahu, HI
property for sale

94-870 Lumiauau St Unit T106

Waipahu, HI

Cost Of Living Quick Facts

  • The cost of living in Waikele is 3% higher than the Hawaii average
  • The cost of living in Waikele is 81% higher than the national average
  • Waikele housing is 184% 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 Waikele

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Compare Waikele, HI Cost of Living

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      This is how much you would need to earn in
      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$159,665$13,305$3,725$4,790
      Renters$139,135$11,595$3,246$4,174
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Waikele, HI, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Waikele homeowners, is $159,665. This would allow for a maximum of $3,725 per month to be spent on housing costs. For renters, the median monthly income is $139,135 which would result in a maximum of $3,246 to be spent on rental 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%

      Goods & Services

      Item Waikele National avg. Difference
      Haircut $20.08$27.6227.3%
      Beauty Salon $73.33$51.1143.5%
      Toothpaste $4.06$4.090.8%
      Shampoo $1.86$1.5420.6%
      Movie $18.72$12.8845.4%
      Yoga $28.67$19.6645.8%

      Groceries

      Item Waikele National avg. Difference
      Ground Beef $8.13$7.705.5%
      Fried Chicken $3.22$1.6693.7%
      Milk $5.57$4.7317.7%
      Potatoes $5.38$5.262.4%
      Pizza $15.99$12.7625.3%
      Beer $12.16$10.5515.3%

      Health Care

      Item Waikele National avg. Difference
      Optometrist $258.00$140.0684.2%
      Doctor $243.67$153.8258.4%
      Dentist $127.00$123.153.1%
      Ibuprofen $11.94$11.731.8%
      Lipitor $28.47$23.6120.6%

      Housing

      Item Waikele National avg. Difference
      Home Price $989,109.00$326,622.00202.8%
      Avg. Mortgage Payment $7,580.88$2,480.25205.7%
      Apartment Rent $3,450.00$1,444.00138.9%

      Transportation

      Item Waikele National avg. Difference
      Gasoline $4.44$3.0645.3%
      Tire Balancing $85.40$65.2131.0%

      Utilities

      Item Waikele National avg. Difference
      All Electricity $555.14$220.12152.2%
      Phone $188.92$195.713.5%
      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.
      Waianae, HI13,61215151.4%
      Makaha, HI10,41115353.2%
      Nanakuli, HI11,83015655.5%
      Waipio Acres, HI5,72416464.3%
      Waimalu, HI14,08416564.7%
      Waikele, HI7,51918181.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Shields, MI7,518937.1%
      Iron Mountain, MI7,5178416.2%
      Garden Home-Whitford, OR7,52114342.8%
      Nebraska City, NE7,5168613.7%
      Kahaluu-Keauhou, HI7,51419897.7%
      Waikele, HI7,51918181.1%
      Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.
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