F
78%
Overall NAT. AVG.
27%
Goods & Services NAT. AVG.
190%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; 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 Kapolei Hawaii National
Cost of living178173100
Goods & Services127130100
Groceries117137100
Health care123126100
Housing290250100
Transportation135143100
Utilities151180100

An Overview of Cost of Living in Kapolei, HI

The cost of living in Kapolei affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Kapolei is 178, which is 78% higher than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.

If you're in pursuit of an economical living environment, Kapolei may not fit the bill, as it ranks among the most expensive places to reside in the United States. Just a minority of regions exhibit a cost of living that is more than 20% higher than the national average, and, unfortunately, Kapolei falls within this bracket.

Housing costs are a major factor in the Kapolei 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 189.9% 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 things you purchase regularly, like clothes, haircuts, movie tickets and gym memberships, can make a big dent in your budget and make up 33% of the cost of living index. Unfortunately in Kapolei, these items will cost you 26.8% more than what's considered the norm, making it a more expensive place to call home.

The substantial and relentless rise in grocery prices definitely warrants some attention. Over the past two years, grocery expenses have escalated by more than 10%. Having said that, the situation in Kapolei is even less favorable, with grocery prices here being 16.7% higher than the national average.

Is Kapolei Affordable?

Is Kapolei 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 Kapolei, the median home price is 223.9% higher than the national average and monthly rent prices are 110.5% higher than the typical rates. Additionally, the median income levels play a role in affordability, with Kapolei boasting a median household income of $115,000, 107.9% higher than the national average.

What Factors can Influence the Cost of Living in Kapolei?

Housing: High demand for housing in desirable locations can drive up property prices and rental rates. This can be a primary contributor to a higher cost of living. While low demand for housing, especially in undesirable locations, can have the reverse effect and drive prices down, resulting in a lower cost of living. The housing index in Kapolei, is 189.9% higher than the national average.

Groceries: Grocery prices have seen substantial hikes in the last 2-3 years, with some markets witnessing food cost increases of over 20% during this period. Conversely, certain markets have experienced only moderate upticks. These variations in food expenses can have a substantial impact on the overall cost of living in any locality. In Kapolei, the groceries index is 16.7% higher than the national average.

Taxes: Regions that impose higher taxes, including sales and income taxes, can contribute to an increased cost of living. Higher taxes for everyday necessities such as clothing, utilities and food inevitably leads to higher expenditures. Additionally, a higher income tax rate can also play a role in elevating the overall cost of living. In Kapolei, the prevailing sales tax rate starts at 4%, and income tax rates kick off at 1.4%.

Where is the Data From?

The cost of living data in Kapolei displayed above is sourced from the C2ER cost of living index, which serves as a practical tool for comparing living expenses across urban areas. Published on a quarterly basis, this index aggregates data from over 300 independent researchers, encompassing more than 60 goods and services, in 6 different categories. The weightings assigned to cost differences rely on government survey data that tracks the spending habits of professional and executive households. It's worth noting that the C2ER index excludes data on sales or income tax rates, while AreaVibes integrates tax rates into the overall cost of living evaluation for each region.

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Cost Of Living Quick Facts

  • The cost of living in Kapolei is 3% higher than the Hawaii average
  • The cost of living in Kapolei is 78% higher than the national average
  • Kapolei housing is 190% 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

Most Affordable Places to Live in and Around Kapolei

See all the best places to live around Kapolei

Compare Kapolei, HI Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      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$125,771$10,481$2,934$3,774
      Renters$87,031$7,253$2,031$2,611
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Kapolei, HI, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Kapolei, homeowners have a median income of $125,771. Using that number, a maximum of $2,934 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $87,031, which means there is a maximum of $2,031 to be spent on the costs of renting a home or apartment.

      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%

      Goods & Services

      Item Kapolei National avg. Difference
      Haircut $19.47$24.2619.8%
      Beauty Salon $76.67$45.5668.3%
      Toothpaste $3.68$3.700.6%
      Shampoo $1.73$1.2834.8%
      Movie $15.08$12.1324.3%
      Bowling $25.33$18.0040.7%

      Groceries

      Item Kapolei National avg. Difference
      Ground Beef $5.42$5.847.2%
      Fried Chicken $2.85$1.5781.0%
      Milk $5.38$4.6715.1%
      Potatoes $5.94$4.9320.4%
      Pizza $14.99$12.0924.0%
      Beer $12.01$10.4115.4%

      Health Care

      Item Kapolei National avg. Difference
      Optometrist $236.67$125.6888.3%
      Doctor $191.36$135.7840.9%
      Dentist $114.44$113.291.0%
      Ibuprofen $11.35$10.656.6%
      Lipitor $573.90$468.6022.5%

      Housing

      Item Kapolei National avg. Difference
      Home Price $598,200.00$184,700.00223.9%
      Avg. Mortgage Payment $8,008.77$2,346.69241.3%
      Apartment Rent $1,998.00$949.00110.5%

      Transportation

      Item Kapolei National avg. Difference
      Gasoline $4.80$3.4638.8%
      Tire Balancing $75.37$59.9225.8%

      Utilities

      Item Kapolei National avg. Difference
      All Electricity $359.53$193.9985.3%
      Phone $184.47$192.254.0%
      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 Population Cost of Living Index National Avg.
      Waianae, HI13,19214545.1%
      Makaha, HI10,08714646.3%
      Nanakuli, HI11,37915049.9%
      Waipio Acres, HI5,55615757.2%
      Waimalu, HI13,71415958.8%
      Kapolei, HI21,54117877.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Massapequa, NY21,53116767.5%
      Darien, CT21,519247147.2%
      Anniston, AL21,5188712.7%
      Perrysburg, OH21,5661066.5%
      Klamath Falls, OR21,5091000.2%
      Kapolei, HI21,54117877.5%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.