Cost of Living in Kailua CDP (Hawaii County), HI
Cost of Living in Kailua CDP (Hawaii County), HI has an overall index of 142, 42% above the U.S. baseline of 100. The typical home value is $649,400; typical monthly rent is $1,747; and median household income is $86,743.
Cost index: committed city housing/rent inputs and BEA 2024 state nonmetro price parities. Home value: Census ACS 2023 fallback place estimate. Rent: Census ACS 2023 fallback place estimate. A place-level signal, not a personal affordability decision or financial recommendation.
Home prices are the main source of pressure. This describes the local market, not your household.
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Frequently asked questions about Kailua CDP (Hawaii County)
Living in Kailua CDP (Hawaii County)
Is Kailua CDP (Hawaii County), HI an expensive place to live?+
Yes — Kailua CDP (Hawaii County) is about 42% more expensive than the national average, with an overall Cost Index of 142. Housing is the biggest factor: the typical home here is valued around $649,400, and monthly rents average roughly $1,747. Day-to-day costs like groceries and utilities tend to run closer to the national norm.
How does Kailua CDP (Hawaii County) fit a household housing budget?+
Start with housing. Typical monthly rent is $1,747, while local median household income is $86,743. That implies a rent-burden proxy of about 24% before utilities and other costs. Use that as a planning signal for whether the place looks manageable under your own household assumptions.
How much are taxes in Kailua CDP (Hawaii County), HI?+
Hawaii uses an approximate state-income-tax planning model; 11% is top marginal-rate context from the tax snapshot. Applying the 0.28% state-level effective owner-occupied proxy to a home worth $649,400 gives a planning estimate near $1,818 per year; it is not a city, county, parcel, or individual tax bill. State plus average local sales-tax context is around 4.44%.
How much does it cost to rent in Kailua CDP (Hawaii County), HI?+
The typical monthly rent in Kailua CDP (Hawaii County) is around $1,747. That's about 30% higher than the $1,348 national median. For comparison, the median home value here is $649,400, so buyers should also factor in mortgage payments, property taxes, and insurance.
How much does a house cost in Kailua CDP (Hawaii County), HI?+
The typical home value in Kailua CDP (Hawaii County) is $649,400. With 20% down and the committed 6.11% national 30-year fixed benchmark as of 2026-03-12, principal and interest are roughly $3,152/month before property tax and insurance. This is a planning estimate, not a local lender quote. About 66% of residents here own their homes.
Are groceries and utilities expensive in Kailua CDP (Hawaii County)?+
Grocery prices in Kailua CDP (Hawaii County) are about average compared to the rest of the US (index: 96, where 100 is the national average). Utility bills (electricity, gas, water) are below average (index: 88). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.
What is Kailua CDP (Hawaii County), HI like to live in?+
Kailua CDP (Hawaii County) is a small town with a population of about 21,851. The median age of residents is 42.2, skewing somewhat older — common in established suburban communities. The local poverty rate is 13.4%, near the national average of 12.4%.