Hawaii, known as the "The Aloha State", is the most expensive state in America with housing nearly 3x the national average. Here is everything you need to know about the cost of living in the The Aloha State — from housing and groceries to taxes, utilities, childcare, and what salary you actually need.
Here is what a typical month costs in Hawaii for a single person earning the median income of $84,900/year:
Each category shows how Hawaii compares to the national average. Green means cheaper, yellow means similar, orange/red means more expensive.
Adjust your salary to see a detailed monthly budget breakdown for living in Hawaii.
Select a state to see how much salary you would need there to maintain the same lifestyle you have in Hawaii.
The most popular cities for residents and newcomers in Hawaii:
Housing is the single biggest expense in Hawaii, as it is everywhere. The median home price in Hawaii is $835,000, and the median rent for a one-bedroom apartment is $2,100/month. With a housing cost index of 270, Hawaii housing is 170% more expensive than the national average.
Housing affordability is a real challenge in Hawaii. Many residents spend well over 30% of their income on housing. Consider looking at suburbs or smaller cities within the state for significantly lower costs.
Hawaii has a state income tax rate of 11%. On the median household income of $84,900, you will pay approximately $9,339/year in state income tax ($778/month). This is one of the higher rates nationally and significantly impacts disposable income.
The average single person in Hawaii spends approximately $650/month on groceries. A family of four can expect to spend $1,625-$1,950/month. The food cost index of 157 means groceries in Hawaii are 57% above the national average.
Gas prices in Hawaii average $4.95/gallon. For the average commuter driving 15,000 miles/year at 25 MPG, that is roughly $2,970/year in fuel costs.
Hawaii healthcare costs are 12% above the national average (index: 112). The average annual healthcare cost per person in Hawaii is approximately $6,720 including premiums and out-of-pocket expenses. Employer-sponsored health insurance covers the majority of working adults.
Infant daycare in Hawaii averages $1,400/month ($16,800/year). This is a significant expense that rivals rent in many areas. Many families in Hawaii find that one parent staying home is more cost-effective when two or more children need daycare.
Hawaii is a higher-cost state, but the higher expenses often come with higher incomes, better infrastructure, and more job opportunities. The median household income of $84,900 helps offset the 90% premium on living costs.
See all Hawaii financial calculators:
Hawaii (HI) has a cost of living index of 190, meaning it is 90% more expensive than the US average. Housing is the biggest factor with an index of 270. The median rent is $2,100/month and the median home price is $835,000. Hawaii ranks #50 out of 50 states for affordability (1 = cheapest).
For a single person, a comfortable salary in Hawaii is approximately $110,370/year ($9,198/month). For a family of four, aim for $186,780/year. This covers housing at 30% of income, groceries ($650/mo), transportation, healthcare, and a 15% savings rate. The median household income in Hawaii is $84,900.
The median rent for a one-bedroom apartment in Hawaii is approximately $2,100/month. A two-bedroom averages $2,835/month. Rent varies significantly by city: Honolulu, Hilo, Kailua are the most popular metro areas. Housing costs in Hawaii are above average — budget carefully.
Hawaii is a more expensive state (COL index 190), but offers strong job markets and high median incomes ($84,900). Popular areas include Honolulu, Hilo, Kailua.
The most affordable areas in Hawaii are typically smaller cities and rural areas away from the major metros. Within Hawaii, costs can vary 20-40% between the most expensive city (Honolulu metro) and more affordable areas. Pearl City and Kapolei tend to offer lower costs while still providing good amenities and job opportunities.
The average monthly grocery bill in Hawaii for a single person is approximately $650 ($1,625 for a family of four). Hawaii food costs are 57% above the national average. Shopping at Walmart, Aldi, and local discount stores can reduce this by 15-25%.
The average monthly electric bill in Hawaii is approximately $250. Total utilities (electric, gas, water, internet) average $550/month. Hawaii utilities are 68% above the national average. Extreme temperatures drive higher heating/cooling costs.
Hawaii has a state income tax rate of 11%. On the median household income of $84,900, that is approximately $9,339/year in state income tax. This is among the highest in the nation.