Waipio, HI Cost Of Living

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Waipio cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
Index	Waipio	Hawaii	National
Cost of living index	171	176	100
Index	Waipio	Hawaii	National
Goods & Services index	126	127	100
Groceries index	161	156	100
Health care index	120	120	100
Housing index	240	250	100
Transportation index	136	141	100
Utilities index	185	194	100

Here we can see a simple outline of the cost of living in Waipio, HI. As you can see, with the average cost of living in Waipio, HI being 171, that puts it 3% lower than the average of Hawaii and 71% higher than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of Waipio, HI, the price of goods and services are 1% lower than the average of Hawaii as well as 26% higher than the nation's average.

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Did you know?

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.
The cost of housing in Waipio is 140% higher than the national average.
Hawaii general sales tax is 18% lower than the national average.
Hawaii state income tax is 37% lower than the national average.

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Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

The salary calculator allows you to compare how much your current salary in Waipio, HI would be worth in another city. In other words, the salary calculator will adjust the figure you enter for cost of living so that you can determine how much more or much less you would need to earn while maintaining your current quality of living. If you are considering relocating to a more expensive city than Waipio, HI, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Waipio, HI salary calculator is easy to use. All you do is enter the name of another city, then move the slider to your current income. After that, the salary calculator will crunch the numbers for you and give you the information you need about the place you are considering going. Additionally, it will show a detailed breakdown of the cost of living.

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 indicated accurately 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 ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Waipio, HI 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 should have a maximum of $1,436 used 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%	8.25%

When considering the overall cost of living expenses in Waipio, HI, it's important to take into account the sales tax for Hawaii, as well as the rate for income tax in Hawaii. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Hawaii is 4.712%, and the sales tax in the state of Hawaii is 4.166%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Hawaii starts from 1.4% and goes up to 8.25%.

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%
East Renton Highlands, WA	11,549	145	45%
Lovington, NM	11,559	83	-17%
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