HAWAII · 2ND OF 51

Cost of living in Hawaii

Prices, pay, taxes, homes and family budgets, county by county, from the same official data the site's calculators use.

The short answer: Prices in Hawaii run 10.0% above the national average, 2nd most expensive of the 50 states and DC. Rents run 25.3% above the national average. The median worker earns $56,320 a year. A typical home in the median Hawaii county is worth $924,530.
Prices

How far a dollar goes in Hawaii.

The Bureau of Economic Analysis measures price levels in every state against a national average of 100. Hawaii scores 110.0 overall, so a $75,000 salary at average US prices buys what $82,463 buys here. Compare any salary with another state.

Price levelHawaii (US = 100)Rank, most expensive first
Everything110.02nd of 51
Rents125.37th of 51
Goods111.6—
Other services102.9—

Home electricity averaged 42.86 cents a kilowatt-hour in 2024, against 17.06 across all states. A gallon of regular gas cost $5.42 at the end of August 2026, against $4.12.

Pay and taxes

What people earn, and what they keep.

Across all 627,530 jobs the Bureau of Labor Statistics counts in Hawaii, the median pay is $56,320 a year, or $27.08 an hour; that ranks 15th of the 50 states and DC. One worker in ten earns less than $34,170 and one in ten more than $123,660.

Hawaii taxes wages in brackets, with a top rate of 11%. The brackets in Hawaii. A single filer on the median $56,320, with no retirement or health deductions, takes home about $44,262 a year, or $1,702 every two weeks, after $4,578 of federal income tax, $4,308 of Social Security and Medicare and $3,172 of state income tax. Work out your own paycheck in Hawaii.

$56,320
median pay, all jobs
$27.08
median hourly pay
$44,262
take-home on the median, single filer
11%
top state income tax rate
Jobs

The most common jobs in Hawaii.

The five occupations employing the most people, with their median annual pay:

OccupationJobsMedian pay
Fast Food and Counter Workers24,130$35,250
Retail Salespersons19,180$37,790
Waiters and Waitresses14,090$62,390
General and Operations Managers13,380$108,180
Registered Nurses12,940$136,320

Of the 20 largest occupations, the best paid are registered nurses ($136,320), general and operations managers ($108,180), first-line supervisors of office and administrative support workers ($63,080). See what common jobs pay in every state.

Housing

What a home costs, and who can afford one.

Across the 4 Hawaii counties with their own Zillow home value, the median typical home is worth $924,530, and across the 4 with their own rent figure the median typical rent is $3,168 a month. A typical home costs 8.02 years of the county's median family income, at the median county.

With 10% down at 7.03%, the average 30-year rate on September 24, 2026, that home costs about $7,062 a month with tax, insurance and mortgage insurance, which takes $302,649 a year of income under the usual 28% guideline. The median family can afford its own county's typical home in 0.0% of Hawaii's counties, against 44.9% of counties nationally. Try it with your own income.

At the median county, home values changed +1.4% over the past year and +22.1% over five years, and rents +6.9% over the past year.

What a household needs

A modest budget, priced county by county.

The Economic Policy Institute prices what a modest but adequate standard of living costs in every county: housing, food, transport, healthcare, childcare, other necessities and taxes. In the median Hawaii county, that comes to $72,342 a year for one adult and $140,076 for two adults and two children, of which $19,313 is childcare. The national averages are $47,367 and $101,771. Median family income in the median county is $108,453.

Two adults, two childrenPer year, median countyPer month
Housing$25,620$2,135
Food$16,456$1,371
Transportation$20,029$1,669
Healthcare$18,139$1,512
Childcare$19,313$1,609
Other necessities$13,063$1,089
Taxes$29,365$2,447

Each line is its own median across counties, so the lines do not add up exactly to the total.

College

What college costs here.

The Department of Education's College Scorecard lists 20 colleges in Hawaii, 10 of them public. The median public college reports a cost of attendance of $15,612 a year, covering tuition, housing, books and other expenses. Ten years after enrolling, the median school's former students earn $42,561. Compare degrees and schools.

Every county

All 5 counties.

Hide the table
Hawaii County$577,316+1.1%$2,742$93,830$139,766
Honolulu County$854,605+1.6%$3,004$122,272$149,860
Kalawao County————$139,609
Kauai County$1,015,489+1.7%$3,347$107,023$149,214
Maui County$994,454−4.0%$3,332$109,882$140,076

A dash means the source publishes no figure for that county. Home values and rents are Zillow's own county figures only; counties Zillow does not cover are left blank rather than filled with a state average.

Metro areas

The largest metro areas in Hawaii.

Honolulu, HI (typical rent $3,004).

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More about Hawaii

Cost of living · Income tax · Child care costs

Run the numbersTake-home pay in Hawaii · What a salary is worth in Hawaii · How much rent you can afford · What a car costs in Hawaii

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Where this comes from
Prices
Bureau of Economic Analysis, Regional Price Parities by State, 2024. Electricity: EIA average residential price, 2024. Gas: AAA state averages, August 30, 2026.
Pay
Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025, all occupations. Take-home uses the paycheck calculator's 2026 federal tables and the state's own tax tables.
Homes and rents
Zillow Home Value Index and Observed Rent Index by county, July 2026. Mortgage rate: Freddie Mac, 7.03% on September 24, 2026; 1.1% property tax and $1,700 a year of insurance assumed.
Budgets and family income
Economic Policy Institute, Family Budget Calculator, 2026 edition, by county.
Jobs and colleges
BLS OEWS May 2025 by occupation. U.S. Department of Education College Scorecard, latest cohort. Home value and rent changes compare Zillow's latest month with the same month one and five years earlier.

County figures are medians across Hawaii's counties, each counting once, so they describe the spread of places rather than of people. Property tax and insurance vary widely; the calculators let you use your own.

Keep reading
Cost of Living Calculator
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Home Affordability Calculator
The most house your income and debts support, and what it costs monthly.
Paycheck Calculator
Take-home pay after federal, state and FICA withholding.