Cost Of Living in Wainiha, HI

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F

70%

Overall NAT. AVG.

24%

Groceries NAT. AVG.

180%

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	Wainiha	Hawaii	National
Cost of living	170	163	100
Groceries	124	126	100
Health care	116	119	100
Housing	280	252	100
Transportation	117	121	100
Utilities	131	131	100
Lifestyle & Entertainment	126	127	100
Household Items	112	115	100
Education & Childcare	132	132	100

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Homes For Sale In Wainiha, HI

4558 Ananalu Rd

Hanalei, HI

Cost Of Living Quick Facts

The cost of living in Wainiha is 4% higher than the Hawaii average
The cost of living in Wainiha is 70% higher than the national average
Wainiha housing is 180% 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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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	$195,510	$16,293	$4,562	$5,866
Renters	$39,342	$3,279	$918	$1,180

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.
Anahola, HI	2,476	151	50.8%
Hanamaulu, HI	4,817	152	52.5%
Wailua, HI	2,553	162	61.7%
Kapaa, HI	10,232	168	67.8%
Kilauea, HI	2,937	183	82.7%
Wainiha, HI	204	170	69.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Grayling, AK	204	96	4.4%
Ellenton, GA	204	78	22.0%
Soldier, IA	204	76	23.7%
Wynnedale, IN	204	106	6.1%
Randall, KS	204	73	27.2%
Wainiha, HI	204	170	69.6%