Waipio, HI

Very High · 179

Hawaii · Population 11,196 · Updated March 2026

$2,248
Median Rent / Month
$106,164
Median Income
$709,500
Median Home Value
$2,075
Owner Costs / Month

Affordability

How far your income goes in Waipio

25.4%
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

$26,976
Annual Rent
$11,678
State Income Tax
$2,270
Property Tax (est.)

Cost of Living Overview

Waipio has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 179 (where 100 equals the national median), Waipio residents can expect to pay median rent of $2,248/month while earning a median household income of $106,164/year.

The median home value in Waipio, HI is $709,500, with typical monthly owner costs around $2,075 including mortgage, insurance, and taxes. With a rent-to-income ratio of 25.4%, Waipio 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 Waipio.

Frequently Asked Questions

Common questions about living costs in Waipio

What is the cost of living in Waipio, HI?
The cost of living index in Waipio, HI is 179 (US average = 100). Median monthly rent is $2,248, median household income is $106,164/year, and the median home value is $709,500.
Is Waipio, HI affordable?
No, Waipio is more expensive than the national average with a cost index of 179. The rent-to-income ratio is 25.4%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Waipio, HI?
The median gross rent in Waipio, HI is $2,248 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $26,976.
What is the median household income in Waipio?
The median household income in Waipio, HI is $106,164 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%.