| Index | Waipio | Hawaii | National |
| Cost of living | 167 | 163 | 100 |
| Groceries | 124 | 126 | 100 |
| Health care | 116 | 119 | 100 |
| Housing | 271 | 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 |
Are you thinking about relocating, but curious about the potential cost of living in Waipio? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Waipio stands at 167, making it 67% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.
If you value affordability in your search for a new place to live, Waipio may not be the most suitable option, as it stands out as one of the priciest areas in the entire United States. Only a small fraction of regions have a cost of living that is more than 20% higher than the national average, and regrettably, Waipio falls into this category, which may not align with your desire for an affordable place to call home.
Housing costs are a major factor in the Waipio cost of living index, and they often eat up a big chunk of your take-home pay. Unfortunately, in this area, housing expenses for both homeownership and rentals were 171.4% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.
The routine items you regularly buy for your home, such as cleaning supplies, personal care products, clothing basics, and kitchen essentials, make up 8% of the cost of living index. In Waipio, these items cost 12.2% more than the national average, making day-to-day living a bit more expensive.
The cost of groceries continues to rise at an alarming rate. Over the last two years, grocery prices have increased by more than 10%! Unfortunately, in Waipio, the news isn't any better as grocery prices are 24% higher than the national average.
Is Waipio affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Waipio, the median home price is 202.7% higher than the national average and monthly rent prices are 98.3% higher than the typical rates. Additionally, the median income levels play a role in affordability, with Waipio boasting a median household income of $138,081, 69.8% higher than the national average.
Transportation: If public transportation is limited or not available, residents may need to own and maintain vehicles, which can add to the cost of living. Gas, insurance, regular maintenance and potentially lease or finance payments will all need to be paid on a monthly basis. In Waipio, the transportation index is 17.1% higher than the national average.
Housing: When there's a high demand for housing in trendy places, it can cause property prices and rental rates to soar, leading to a significantly higher cost of living. Conversely, in less desirable locations, where demand is low, prices tend to decrease, resulting in a more budget-friendly cost of living. In Waipio, the housing index is 171.4% higher than the national average.
Healthcare: The costs associated with healthcare and insurance premiums can exhibit notable disparities based on the city or state of residence. Access to healthcare facilities, out-of-pocket expenses for medical appointments, dental care charges, prescription medication costs and specialized medical care expenses all contribute to variations in the cost of living. In Waipio, healthcare costs are 15.7% higher than the national average.
The cost of living estimates displayed for Waipio are modeled using a U.S. average baseline of 100, helping provide a useful comparison of local living expenses. Housing calculations include U.S. Census home price and rental data, while all other values are AI-assisted estimates based on regional cost patterns, climate, transportation, and everyday spending expectations. These values are intended for directional comparisons across cities.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $157,342 | $13,112 | $3,671 | $4,721 |
| Renters | $86,234 | $7,186 | $2,012 | $2,587 |
| State | General Sales Tax | With Max Surtax |
| Hawaii | 4% | 4.712% |
| State | Income Tax (Low) | Income Tax (High) |
| Hawaii | 1.4% | 11% |
| City | Population | Cost of Living Index | National Avg. |
| Waianae, HI | 13,612 | 141 | 40.9% |
| Makaha, HI | 10,411 | 143 | 42.7% |
| Nanakuli, HI | 11,830 | 145 | 45.1% |
| Waipio Acres, HI | 5,724 | 154 | 53.8% |
| Waimalu, HI | 14,084 | 155 | 55.3% |
| Waipio, HI | 10,985 | 167 | 67.0% |
| City | Population | Cost of Living Index | National Avg. |
| Columbia, IL | 10,985 | 102 | 1.7% |
| Waihee-Waiehu, HI | 10,988 | 166 | 66.3% |
| Burr Ridge, IL | 10,988 | 167 | 67.2% |
| Broomall, PA | 10,988 | 125 | 24.8% |
| Fairfield, AL | 10,980 | 86 | 14.0% |
| Waipio, HI | 10,985 | 167 | 67.0% |
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