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Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
Nobody expects rock-bottom prices in Hawaii — but that doesn't mean all cities are equally expensive. Honolulu (index 149 — for better or worse — , rent $2,548/mo) carves out real savings within a high-cost market. Moving on. We analyzed 1 cities to find where your money goes furthest in 2026.
#1 Ranked: Honolulu — cost index 149, rent $2,548/mo, income $85,428
0 of 1 cities come in below the national cost-of-living average of 111
Data sourced from Census Bureau, Zillow, BLS, and Tax Foundation — current as of 2026
Nobody expects rock-bottom prices in Hawaii — but that doesn't mean all cities are equally expensive. Honolulu (index 149 — for better or worse — , rent $2,548/mo) carves out real savings within a high-cost market. Moving on. We analyzed 1 cities to find where your money goes furthest in 2026.
So, Honolulu. Cost index of 149, rent at $2,548/month. It's higher than the national average. Median income is $85,428, which is above average. That's more or less in line with the region.
Rent data is sourced from Zillow's Observed Rent Index (ZORI), which tracks the median rent across all active listings — not just new leases. This gives a more representative and stable signal than asking prices alone. Honolulu: $2,548/mo.
Not flashy. Just effective.
None of this exists in a vacuum, though. Here's the state-level backdrop: Hawaii averages a 149 cost index, $2,548/mo rent, and $85,428 income across 1 cities. That's $653 more than the national rent average. The most isolated and expensive housing market in the US — and that context shapes every city in this ranking.
What to do with this data: use the ranking as a shortlist, then dig into the city profiles for trend lines and category breakdowns. The difference between #1 and #5 is often smaller than the difference between "good on paper" and "actually fits my life." Compare your top picks with our calculator to see real take-home numbers.
341,778 residents · Hawaii
Honolulu earns its position at #1 through a combination that's hard to replicate. The 149 cost index sits 38 points above the national baseline, and the $85,428 median income means purchasing power here is partially offset by higher costs. Homes list at $758,507 — $291,137 above the national median, reflecting the local market dynamics. On the cost side, Healthcare leads the way at 110, while Housing trails at 149.
Rent is the single largest expense for most households. We rank all tracked cities in Hawaii by median 1-bedroom rent (Zillow ZORI) from lowest to highest, filtering out any cities with incomplete data. All data is sourced from federal agencies and verified research institutions. Cost of living indices are normalized to 100 (national median) using Zillow rent as the primary signal, with sub-category adjustments derived from regional BLS price data. Rankings are updated monthly as new data is released.
Honolulu ranks #1 in Hawaii for this analysis with a cost index of 149 and median income of $85,428.
Our cost of living index uses real Zillow rent data as the foundation, indexed to 100 (national median). Sub-categories (housing, food, transport, utilities, healthcare) are derived from the overall index with regional adjustments. Data is updated monthly.
City data is refreshed monthly from Census Bureau population estimates, Zillow rent and home price indices, BLS salary data, and Tax Foundation tax rates. Last updated: 2026.
The median 1-bedroom rent in Honolulu is $2,548/month as of 2026, based on Zillow's Observed Rent Index. This is $653 above the national median of $1,895/month.
The median home price in Honolulu is $758,507, which is 8.9× the local median income. Most median-income households would stretch to buy at this ratio. The national median home price is $467,370.
Hawaii has a 11% state income tax rate. Combined state and local sales tax averages 4.44%, and the effective property tax rate is 0.27%.
This ranking was generated using data current as of early 2026. Population and income data comes from the Census Bureau's American Community Survey (5-year estimates). Rent and home price data is from Zillow's monthly releases. Tax rates are from the Tax Foundation's 2025 edition. Rankings are refreshed monthly.