Cost of Living in Kailua CDP (Honolulu County), HI
Cost of Living in Kailua CDP (Honolulu County), HI has an overall index of 225, 125% above the U.S. baseline of 100. The typical home value is $1,239,000; typical monthly rent is $3,068; and median household income is $146,615.
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 (Honolulu County)
Living in Kailua CDP (Honolulu County)
Is Kailua CDP (Honolulu County), HI an expensive place to live?+
Yes — Kailua CDP (Honolulu County) is about 125% more expensive than the national average, with an overall Cost Index of 225. Housing is the biggest factor: the typical home here is valued around $1,239,000, and monthly rents average roughly $3,068. Day-to-day costs like groceries and utilities tend to run closer to the national norm.
How does Kailua CDP (Honolulu County) fit a household housing budget?+
Start with housing. Typical monthly rent is $3,068, while local median household income is $146,615. That implies a rent-burden proxy of about 25% 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 (Honolulu 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 $1,239,000 gives a planning estimate near $3,469 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 (Honolulu County), HI?+
The typical monthly rent in Kailua CDP (Honolulu County) is around $3,068. That's about 128% higher than the $1,348 national median. For comparison, the median home value here is $1,239,000, so buyers should also factor in mortgage payments, property taxes, and insurance.
How much does a house cost in Kailua CDP (Honolulu County), HI?+
The typical home value in Kailua CDP (Honolulu County) is $1,239,000. With 20% down and the committed 6.11% national 30-year fixed benchmark as of 2026-03-12, principal and interest are roughly $6,013/month before property tax and insurance. This is a planning estimate, not a local lender quote. About 74% of residents here own their homes.
Are groceries and utilities expensive in Kailua CDP (Honolulu County)?+
Grocery prices in Kailua CDP (Honolulu 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 (Honolulu County), HI like to live in?+
Kailua CDP (Honolulu County) is a smaller city with a population of about 39,762. The median age of residents is 43.1, skewing somewhat older — common in established suburban communities. The local poverty rate is 4.12%, well below the national average of 12.4%.