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Hawaii

D+26  ·  Moderate tax burden  ·  COL index 196

B

11%

Income Tax

281

Violent Crime / 100K

80.7

Life Expectancy

$840K

Median Home

$1,850

Childcare / Mo

State Profile

60/100
255075100TAXES62SAFETY74HEALTH80SCHOOLS51AFFORDABLE3LONGEVITY89

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Taxes

Income Tax

11% top

Property Tax

~$2,268/yr on median home

0.27% / yr

Sales Tax

4.44% avg

Social Security

Exempt

Pension / IRA

Fully Exempt

Estate Tax

Yes — $5.49M exemption

Inheritance Tax

None

Capital Gains

7.25% rate

Housing & Cost of Living

Cost of Living Index

National avg = 100

196

Median Home Price

$840,000

Median Rent (2BR)

$2,500/mo

Home Insurance

Below national avg (~$1,900/yr)

$500/yr

Flood Insurance

$650/yr

Homestead Exemption

Home equity protected from creditors

$100,000

Asset Protection

Moderate

Crime & Safety

Violent Crime Rate

Near national avg

281 / 100K

Property Crime Rate

Near national avg

2,480 / 100K

Traffic Fatality Rate

7.5 / 100K

Healthcare

State Healthcare Rank

#11 of 50

Life Expectancy

Above national avg (76.4)

80.7 yrs

Medicaid Expansion

Expanded

Uninsured Rate

Well below national avg

4.8%

Education

K-12 Quality Rank

#25 of 50

School Choice / Vouchers

Not Available

Childcare

Avg Infant Care (Full-Time)

Very expensive (national avg ~$1,200)

$1,850/mo

Utilities & Daily Costs

Avg Monthly Energy Bill

Well above national avg ($150)

$250/mo

Avg Monthly Groceries

2-person household, moderate spending

$900/mo

Road Quality Rank

Among the worst roads in the US

#45 of 50

Airports & Travel

Nonstop Destinations

From state's primary airport

75+ routes

Major Hub Airport

Regional airport — connections via hub

No

Culture & Lifestyle

Urban Population

Highly urban — big city feel

92% urban

Restaurant Density

Outstanding food scene

620/100K

Religious Congregations

145/100K

Pro Sports Teams

NFL + NBA + MLB + NHL + MLS

None

Major Venues

Stadiums, arenas, amphitheaters (10K+ capacity)

2 venues

Craft Breweries

2.1/100K residents — Growing

30 breweries

Craft Distilleries

18 distilleries

Live Music

Kona Brewing birthplace; Maui Arts & Cultural Center; Hawaii Songwriting Festival

Decent

Transportation

Car Insurance (Avg Annual)

$1,120

Traffic Fatality Rate

7.5 / 100K

Broadband Access

87% of households

Social & Legal

Abortion Access

Legal to viability; strong state protections

Protected

LGBTQ+ Protections

Comprehensive

Marijuana

Recreational

Minimum Wage

$14/hr

Right to Work

No

Sports Betting

Illegal

Casino Gambling

No casinos

Online Gambling

Illegal

State Lottery

One of 2 states where all forms of gambling are illegal (with Utah). No lottery, no casinos, no sports betting.

No

Age of Consent

16

Sex Education

Sex ed required by state

Comprehensive

Medically Accurate Required

Yes

Nude Beaches & Naturist Clubs

Little Beach (Maui) · Red Hill (Oahu) · Spencer Beach (Big Island)

Nude beach

Environment & Climate

Air Quality (Annual AQI)

Excellent (national avg ~38)

18

Natural Disaster Risk

Moderate

Primary Hazards

hurricanetsunamivolcano

Politics & Gun Laws

2024 Presidential Vote

D+26

Gun Laws

Gun ControlA
2A LibertyF

Carry Permit

May-issue

Purchase Permit Required

Yes

Gambling

Not Legal

Jobs & Economy

Job Market

+1.5% job growth · 2.9% unemployment

Moderate

Top Industries

TourismGovernmentHealthcare

Tech Jobs

#40 of 50

Healthcare Jobs

#25 of 50

Remote Work

16% of workers

Median Household Income

$94,814

Business Climate

Corporate Income Tax

0.5% gross receipts tax applies

4.4%

LLC Formation Fee

$50 one-time

LLC Annual Fee

$15/yr

Business Climate Rank

#43 of 50

General Excise Tax (GET) at 4% on retail (0.5% on wholesale) applies in addition to income tax

Daily Life

Gas Price (Regular)

Well above avg (+1.25 vs national avg)

$4.55/gal

Consumer Fireworks

Sparklers and novelties only; all aerial fireworks banned statewide

Restricted

Weather & Natural Risks

Winter Severity

Avg January high: 78°F

Very Mild

Summer Heat

Moderate summers

87°F avg July

Annual Rainfall

63" / yr

Tornado Risk

Very Low

Hurricane Risk

Low

Wildfire Risk

Low

Flood Risk

Low

Natural Hazards

28LOW danger
Lava flow zone (Big Island)Centipedes the size of your handInvasive coqui frogs 24/7

Venomous Snakes

Minimal

Spider Hazard

Minimal

Scorpions

Low

Hurricane Risk

Moderate

Tornado Risk

Minimal

Wildfire Risk

Moderate

Earthquake Risk

High

Danger score is a composite index. Methodology ↗

Veteran Benefits

Veteran-Friendly Score

9.4% of state population are veterans

83/100

Property Tax Exemption

Disabled vet property tax exemption

Partial

Military Retirement Pay

Tax Exempt

Active Duty Pay

Tax Exempt

VA Facilities Access

Good

Notable Benefits

Military retirement fully exempt

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Trending in Hawaii

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What Residents Say

Moving to Hawaii - Cost of Living : r/MovingtoHawaii

Moving to Hawaii - Cost of Living ; Housing (paid off), $45, HOA ~$200, property tax ~$100, insurance ~$150 ; Utilities, $280, Electric ~$150 ( ......

reddit.com ↗

"Can I afford to move to Hawaii?" : r/MovingtoHawaii

The short answer: Chances are, if you have to ask this question, then you probably can't. Hawaii has the highest cost of living index in the United States....

reddit.com ↗

Would we be able to afford to live in a nice area with our ...

We are a family of 4 with a household income of 190k. Currently we live in Dallas Texas and our rent is about 4k a month. We have a 4 bedroom 2.5 bath townhome....

reddit.com ↗

Tax Rates (Individual, Joint, Married, etc) for those looking ...

If you put in all the taxes first especially state income tax which would be 7.9% based on this salary, your annual take home pay would be ......

reddit.com ↗

I've read several posts that talk about the high cost of living ...

I was just thinking about it, and I could understand about the cost of living being a shock if you are coming from somewhere a 3bd home <$300k and ......

reddit.com ↗

Considering moving to Honolulu via my job. Concerned ...

Cost of living is extremely high. It's like the companies and employers don't want to pay their employees. Depending on where you live now, ......

reddit.com ↗

Honolulu Cost of Living income??? : r/Hawaii

Is it true someone could be making 70k or 80k in Honolulu but still be struggling to make rent and pay bills?...

reddit.com ↗

Company wants to relocate me to Hawaii (Family of 4/20k ...

$20k per month is plenty of money to live in Hawaii....especially if you're not intending in enrolling your kids in private school. I think the ......

reddit.com ↗

r/MovingtoHawaii Wiki: A Guide to Hawaii Housing

Budget for Long-Term Costs: While property taxes are low, higher insurance premiums and maintenance costs (e.g., for salt air corrosion or ......

reddit.com ↗

Living Expense in Hawaii : r/MovingtoHawaii

Living in places like Boston, LA and NYC have been expensive for decades, but yes, cost of living in Hawaii comparable to major mainland cities....

reddit.com ↗

Stay Current

Get notified when Hawaii tax laws, gun laws, or social policy changes.

Hawaii Guides

relocation

Hawaii: Paradise With the Price Tag to Match

Hawaii's cost of living index sits around 180-185 in 2026, nearly double the U.S. average. The state

Data is informational only. Verify with a tax professional, real estate agent, and local sources before making relocation decisions. Crime data: FBI UCR ~2022. Healthcare: Commonwealth Fund / US News ~2023. Education: Education Week ~2023. Housing: Zillow / Census ACS ~2024. Insurance: rate surveys ~2024. Sponsored links marked “Sponsored” may earn a commission. This does not affect our data or rankings.

Your Priorities

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Quick Profiles

Dial in your priorities

Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable