Cost Of Living in Laie, HI

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	Laie	Hawaii	National
Cost of living	209	173	100
Goods & Services	127	130	100
Groceries	117	137	100
Health care	123	126	100
Housing	395	250	100
Transportation	135	143	100
Utilities	151	180	100

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Cost Of Living Quick Facts

The cost of living in Laie is 21% higher than the Hawaii average
The cost of living in Laie is 109% higher than the national average
Laie housing is 295% 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

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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	$133,188	$11,099	$3,108	$3,996
Renters	$75,588	$6,299	$1,764	$2,268

The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Laie, HI, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Laie homeowners, is $133,188. This would allow for a maximum of $3,108 per month to be spent on housing costs. For renters, the median monthly income is $75,588 which would result in a maximum of $1,764 to be spent on rental costs.

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	Laie	National avg.	Difference
Haircut	$19.47	$24.26	19.8%
Beauty Salon	$76.67	$45.56	68.3%
Toothpaste	$3.68	$3.70	0.6%
Shampoo	$1.73	$1.28	34.8%
Movie	$15.08	$12.13	24.3%
Bowling	$25.33	$18.00	40.7%

Groceries

Item	Laie	National avg.	Difference
Ground Beef	$5.42	$5.84	7.2%
Fried Chicken	$2.85	$1.57	81.0%
Milk	$5.38	$4.67	15.1%
Potatoes	$5.94	$4.93	20.4%
Pizza	$14.99	$12.09	24.0%
Beer	$12.01	$10.41	15.4%

Health Care

Item	Laie	National avg.	Difference
Optometrist	$236.67	$125.68	88.3%
Doctor	$191.36	$135.78	40.9%
Dentist	$114.44	$113.29	1.0%
Ibuprofen	$11.35	$10.65	6.6%
Lipitor	$573.90	$468.60	22.5%

Housing

Item	Laie	National avg.	Difference
Home Price	$883,800.00	$184,700.00	378.5%
Avg. Mortgage Payment	$8,008.77	$2,346.69	241.3%
Apartment Rent	$1,914.00	$949.00	101.7%

Transportation

Item	Laie	National avg.	Difference
Gasoline	$4.80	$3.46	38.8%
Tire Balancing	$75.37	$59.92	25.8%

Utilities

Item	Laie	National avg.	Difference
All Electricity	$359.53	$193.99	85.3%
Phone	$184.47	$192.25	4.0%

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.
Waipio Acres, HI	5,556	157	57.2%
Whitmore Village, HI	3,764	168	68.1%
Wahiawa, HI	16,442	168	68.4%
Kahuku, HI	2,226	171	70.9%
Punaluu, HI	1,113	174	73.8%
Laie, HI	6,071	209	109.2%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Pontotoc, MS	6,070	84	15.7%
Sheridan, CO	6,072	113	12.9%
El Granada, CA	6,069	251	151.0%
East Farmingdale, NY	6,074	144	44.5%
Greenwood, MO	6,067	100	0.1%
Laie, HI	6,071	209	109.2%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in Laie, HI