Kapolei, HI

Very High · 197

Hawaii · Population 23,033 · Updated March 2026

$2,507
Median Rent / Month
$129,260
Median Income
$720,600
Median Home Value
$2,641
Owner Costs / Month

Affordability

How far your income goes in Kapolei

23.3%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Hawaii

State-level tax rates that affect your costs

11.0%
Income Tax (Top Rate)
4.0%
Sales Tax
0.32%
Property Tax Rate

Estimated Annual Costs

$30,084
Annual Rent
$14,219
State Income Tax
$2,306
Property Tax (est.)

Cost of Living Overview

Kapolei has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 197 (where 100 equals the national median), Kapolei residents can expect to pay median rent of $2,507/month while earning a median household income of $129,260/year.

The median home value in Kapolei, HI is $720,600, with typical monthly owner costs around $2,641 including mortgage, insurance, and taxes. The median rent-to-income ratio of 23.3% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Hawaii's top income tax rate of 11.0% is among the highest in the nation, adding to the overall cost burden. Combined with a 4.0% sales tax rate and 0.32% effective property tax rate, the overall tax environment is a factor in the total cost of living in Kapolei.

Frequently Asked Questions

Common questions about living costs in Kapolei

What is the cost of living in Kapolei, HI?
The cost of living index in Kapolei, HI is 197 (US average = 100). Median monthly rent is $2,507, median household income is $129,260/year, and the median home value is $720,600.
Is Kapolei, HI affordable?
No, Kapolei is more expensive than the national average with a cost index of 197. The rent-to-income ratio is 23.3%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Kapolei, HI?
The median gross rent in Kapolei, HI is $2,507 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $30,084.
What is the median household income in Kapolei?
The median household income in Kapolei, HI is $129,260 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Hawaii?
Hawaii has a top income tax rate of 11.0%, a sales tax of 4.0%, and an effective property tax rate of 0.32%.