Waipio, Hawaii Cost Of Living

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Overall 71%

Goods & Services 26%

Housing 140%

Date & Last Updated: This data reflects 2019 and was released from C2ER in January, 2020; 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	Waipio	Hawaii	National
Cost of living	171	176	100
Goods & Services	126	127	100
Groceries	161	156	100
Health care	120	120	100
Housing	240	250	100
Transportation	136	141	100
Utilities	185	194	100

Key findings

The cost of living in Waipio is 3% lower than the Hawaii average
The cost of living in Waipio is 71% higher than the national average
Waipio housing is 140% higher than the national average
Hawaii general sales tax is 18% lower than the national average
Hawaii state income tax is 43% 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	$94,118	$7,843	$2,196	$2,824
Renters	$61,544	$5,129	$1,436	$1,847

The affordability of the housing market in Waipio, HI as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Waipio homeowners, the median income is $94,118. This indicates that a monthly maximum of $2,196 should be spent by homeowners on all housing related costs. Renters have a median income of $61,544. This indicates that renters would have a maximum of $1,436 for their rent related monthly costs.

Hawaii Sales Tax

State	General Sales Tax	With Max Surtax
Hawaii	4.166%	4.712%

Hawaii Income Tax

State	Income Tax (Low)	Income Tax (High)
Hawaii	1.4%	11%

Goods & Services

Item	Waipio	National avg.	Difference
Haircut	$17.80	$17.49	1.8%
Beauty Salon	$72.00	$38.17	88.6%
Toothpaste	$3.62	$2.32	56.0%
Shampoo	$1.76	$1.01	73.9%
Movie	$12.24	$10.72	14.1%
Bowling	$18.20	$13.86	31.3%

Groceries

Item	Waipio	National avg.	Difference
Ground Beef	$5.11	$3.90	31.0%
Fried Chicken	$2.14	$1.40	53.3%
Milk	$3.92	$1.96	99.8%
Potatoes	$10.17	$3.18	219.5%
Pizza	$13.99	$10.39	34.6%
Beer	$9.59	$9.23	3.9%

Health Care

Item	Waipio	National avg.	Difference
Optometrist	$176.10	$106.34	65.6%
Doctor	$149.60	$115.25	29.8%
Dentist	$102.00	$98.38	3.7%
Ibuprofen	$13.41	$9.26	44.8%
Lipitor	$531.25	$466.47	13.9%

Housing

Item	Waipio	National avg.	Difference
Home Price	$492,300.00	$184,700.00	166.5%
Avg. Mortgage Payment	$4,947.54	$1,273.32	288.6%
Apartment Rent	$1,676.00	$949.00	76.6%

Transportation

Item	Waipio	National avg.	Difference
Gasoline	$3.60	$2.59	38.9%
Tire Balancing	$65.80	$48.90	34.6%

Utilities

Item	Waipio	National avg.	Difference
All Electricity	$430.16	$167.60	156.7%
Phone	$173.45	$163.42	6.1%

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, State	Population	Cost of Living Index	National Avg.
Kalaeloa, HI	8	142	42%
Makaha Valley, HI	1,631	130	30%
Waianae, HI	13,426	147	47%
Nanakuli, HI	12,042	147	47%
Makaha, HI	8,934	151	51%
Waipio, HI	11,554	171	71%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
Woodinville, WA	11,549	160	60%
Lovington, NM	11,559	83	-17%
East Renton Highlands, WA	11,549	145	45%
Grafton, WI	11,563	98	-2%
Enumclaw, WA	11,543	127	27%
Waipio, HI	11,554	171	71%

Source: The Waipio, HI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.

Waipio, HI Cost of Living

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