Cost of Living in Waimanalo, HI

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F
71%
Overall NAT. AVG.
24%
Groceries NAT. AVG.
186%
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 Hawaii National
Cost of living171163100
Groceries124126100
Health care120119100
Housing286252100
Transportation117121100
Utilities130131100
Lifestyle & Entertainment121127100
Household Items116115100
Education & Childcare127132100
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Homes For Sale In Waimanalo, 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 is 5% higher than the Hawaii average
  • The cost of living in Waimanalo is 71% higher than the national average
  • Waimanalo housing is 186% 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

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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$207,959$17,330$4,852$6,239
      Renters$90,895$7,575$2,121$2,727
      To approximate the cost of living and the housing affordability in Waimanalo, HI, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Waimanalo have a median income of $207,959. Therefore, the amount that a consumer should spend on housing costs should be no more than $4,852 per month to avoid calamity and poverty. The renters in the city have an income of about $90,895, which would make their monthly maximum allowable rental costs $2,121.

      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%
      Waimalu, HI14,08415555.3%
      Waimanalo Beach, HI4,37616262.5%
      Kaneohe Station, HI11,40417171.5%
      Honolulu, HI358,76518989.0%
      Waimanalo, HI5,78217171.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Falcon Heights, MN5,78111515.4%
      Deer Park, OH5,781919.1%
      Prairie du Chien, WI5,7818713.2%
      Rio Pinar, FL5,78012323.5%
      Crowsnest Pass, AB5,778n/a 
      Waimanalo, HI5,78217171.0%
      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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