Hawaii, the Aloha State, is a state many people dream of retiring to. Beaches are everywhere, paradise is a step out your door, and some of the most gorgeous sights one can see are what people think of when they imagine Hawaii. In addition, Hawaii is known for its magnificent weather where winter does not exist. So, if you've lived a life where you can retire to Hawaii, you're in for a treat, as this state has it all. However, paradise isn't free, and the cost of living in Hawaii is expensive, as one might expect. Read below to see how we break down Hawaii's cost of living by category.
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Hawaii's cost of living is nearly double the average cost of living in the rest of the US. If you want to retire here, you'll have to have some money saved. While many believe it's worth it, nothing in Hawaii is nowhere near the national average. The housing cost is triple the norm, with the median home price over double. When retiring to Hawaii, it's crucial to be strategic with how you approach it. Is it possible to retire in Hawaii without stress? Yes. However, paradise does require planning and finding the ideal place to live.
Cost-of-living indices
100 = US average. Higher means more expensive.
Housing & rent
Statewide medians and averages.
Whether you're comparing options for a parent or planning ahead for yourself, here's where to start by care level.
Assisted living provides personal care, meals, and daily support for seniors who need help with everyday tasks but not full medical supervision.
Memory care is a specialized type of senior living for people with Alzheimer's disease, dementia, or other cognitive decline.
Independent living is community housing for active seniors who want amenities, social life, and freedom from home upkeep without daily personal-care services.
Home care brings personal-care services and companionship into the senior's own home rather than moving them into a community.
A skilled nursing facility (SNF, often called a nursing home) provides 24-hour licensed medical care and rehabilitation for seniors with serious health conditions.
Senior apartments are age-restricted rental homes - typically for residents 55+ or 62+ - designed for older adults who live independently.
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Local pricing
Median monthly cost of assisted living, sourced from public data. Actual community pricing varies by apartment size, level of care, and amenities.
| City | Avg. monthly cost |
|---|---|
| Aiea | $6,113.00 |
| Anahola | $6,010.00 |
| Camp H M Smith | $6,010.00 |
| Captain Cook | $6,010.00 |
| Eleele | $6,010.00 |
| Ewa Beach | $5,955.00 |
| Fort Shafter | $5,928.00 |
| Haiku | $5,272.00 |
| Hakalau | $4,999.00 |
| Haleiwa | $4,917.00 |
| Hana | $4,917.00 |
| Hanalei | $4,887.00 |
| Hanamaulu | $4,753.00 |
| Hanapepe | $4,521.00 |
| Hauula | $4,370.00 |
| Hawaii National Park | $4,261.00 |
| Hawi | $4,020.00 |
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