Cost of Living in Waimanalo Beach, HI

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F
62%
Overall NAT. AVG.
24%
Groceries NAT. AVG.
157%
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 Waimanalo Beach Hawaii National
Cost of living162163100
Groceries124126100
Health care120119100
Housing257252100
Transportation117121100
Utilities130131100
Lifestyle & Entertainment121127100
Household Items116115100
Education & Childcare127132100
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Homes For Sale In Waimanalo Beach, HI

property for sale

41-51 Hinalea St

Waimanalo, HI
property for sale

41-1009 Laumilo St

Waimanalo, HI
property for sale

41-160 Huli St

Waimanalo, HI
property for sale

41-046 Hihimanu St

Waimanalo, HI

Cost Of Living Quick Facts

  • The cost of living in Waimanalo Beach is equal to the Hawaii average
  • The cost of living in Waimanalo Beach is 62% higher than the national average
  • Waimanalo Beach housing is 157% 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 Waimanalo Beach

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Compare Waimanalo Beach, HI Cost of Living

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      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$163,643$13,637$3,818$4,910
      Renters$65,397$5,450$1,526$1,962
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Waimanalo Beach, 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 Waimanalo Beach, homeowners have a median income of $163,643. Using that number, a maximum of $3,818 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $65,397, which means there is a maximum of $1,526 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.
      Kailua CDP (Hawaii County), HI14,06214242.2%
      Kaneohe Station, HI11,40417171.5%
      Waimanalo, HI5,78217171.0%
      Honolulu, HI358,76518989.0%
      Ahuimanu, HI8,52919090.5%
      Waimanalo Beach, HI4,37616262.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Sellersville, PA4,3761065.8%
      Medford, WI4,3768812.0%
      Greenville, KY4,3758415.9%
      Buchanan, MI4,3758713.1%
      Cold Spring, MN4,3751000.2%
      Waimanalo Beach, HI4,37616262.5%
      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.
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