Ocean Pointe, HI

Very High · 255

Hawaii · Population 16,276 · Updated March 2026

$3,347
Median Rent / Month
$143,394
Median Income
$877,600
Median Home Value
$3,611
Owner Costs / Month

Affordability

How far your income goes in Ocean Pointe

28.0%
Rent-to-Income Ratio
Moderate
Rent takes 25-35% of median income — moderate affordability.

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

$40,164
Annual Rent
$15,773
State Income Tax
$2,808
Property Tax (est.)

Cost of Living Overview

Ocean Pointe has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 255 (where 100 equals the national median), Ocean Pointe residents can expect to pay median rent of $3,347/month while earning a median household income of $143,394/year.

The median home value in Ocean Pointe, HI is $877,600, with typical monthly owner costs around $3,611 including mortgage, insurance, and taxes. With a rent-to-income ratio of 28.0%, Ocean Pointe falls within the generally affordable range, though it's approaching the 30% burden threshold.

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 Ocean Pointe.

Frequently Asked Questions

Common questions about living costs in Ocean Pointe

What is the cost of living in Ocean Pointe, HI?
The cost of living index in Ocean Pointe, HI is 255 (US average = 100). Median monthly rent is $3,347, median household income is $143,394/year, and the median home value is $877,600.
Is Ocean Pointe, HI affordable?
No, Ocean Pointe is more expensive than the national average with a cost index of 255. The rent-to-income ratio is 28.0%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Ocean Pointe, HI?
The median gross rent in Ocean Pointe, HI is $3,347 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $40,164.
What is the median household income in Ocean Pointe?
The median household income in Ocean Pointe, HI is $143,394 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%.