Whitmore Village, Hawaii Cost Of Living

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Overall 67%

Goods & Services 26%

Housing 125%

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	Whitmore Village	Hawaii	National
Cost of living	167	176	100
Goods & Services	126	127	100
Groceries	161	156	100
Health care	120	120	100
Housing	225	250	100
Transportation	136	141	100
Utilities	185	194	100

Key findings

The cost of living in Whitmore Village is 5% lower than the Hawaii average
The cost of living in Whitmore Village is 67% higher than the national average
Whitmore Village housing is 125% 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	$89,659	$7,472	$2,092	$2,690
Renters	$44,861	$3,738	$1,047	$1,346

The affordability of the housing market in Whitmore Village, 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 Whitmore Village homeowners, the median income is $89,659. This indicates that a monthly maximum of $2,092 should be spent by homeowners on all housing related costs. Renters have a median income of $44,861. This indicates that renters would have a maximum of $1,047 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	Whitmore Village	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	Whitmore Village	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	Whitmore Village	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	Whitmore Village	National avg.	Difference
Home Price	$475,800.00	$184,700.00	157.6%
Avg. Mortgage Payment	$4,947.54	$1,273.32	288.6%
Apartment Rent	$1,420.00	$949.00	49.6%

Transportation

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

Utilities

Item	Whitmore Village	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%
Whitmore Village, HI	4,570	167	67%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
Russell, KS	4,570	80	-20%
Ardsley, NY	4,570	159	59%
Huber Ridge, OH	4,569	92	-8%
New Freedom, PA	4,569	112	12%
Brisbane, CA	4,568	189	89%
Whitmore Village, HI	4,570	167	67%

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

Whitmore Village, HI Cost of Living