Cost of living in Urban Honolulu, HI
988,703 people (Census 2025 estimate). Overall prices are 11.0% above the US average, with housing at 135.5 on BEA’s index (US = 100). A single renter on $60,000 keeps $183 a month after 2026 taxes and modeled costs.
Typical household budgets in Urban Honolulu, HI
Computed by MoveMath’s engine with 2026 tax law, HUD Fair Market Rent for the bedrooms each household needs, DOL 2022 childcare prices for Honolulu County, HI in current dollars, USDA Moderate-Cost food, one car per adult and $1,000 a month of other spending at US-average prices scaled by local price levels.
| Per month | Single, $60k | Couple + toddler, $110k | Family of four, $106,195 |
|---|---|---|---|
| Gross income | $5,000 | $9,167 | $8,850 |
| Taxes | $1,056 | $1,691 | $1,414 |
| Take-home pay | $3,944 | $7,476 | $7,435 |
| Housing | $1,951 | $2,542 | $2,542 |
| Childcare | $0 | $1,394 | $1,681 |
| Food | $491 | $1,103 | $1,431 |
| Transportation | $205 | $409 | $409 |
| Sales tax | $42 | $66 | $80 |
| Other goods & services | $1,072 | $1,072 | $1,072 |
| Left over | $183 | $889 | $221 |
Family of four = two adults, a preschooler and a school-age child at the metro’s median household income ($106,195). Click a column to open it in the budget planner and change any input.
Price levels: Urban Honolulu, HI vs Hawaii and the US
BEA Regional Price Parities, 2024. 100 = US average; bars compare the metro (dark) with Hawaii statewide (light).
Within Hawaii, Urban Honolulu, HI ranks 1st of 2 metros on overall prices; the state as a whole is at 110.0. The dashed line marks the US average.
Rent and homeownership
| Unit | HUD Fair Market Rent | Income needed at 30% | Share of median income |
|---|---|---|---|
| Studio | $1,836 | $73,440 | 20.7% |
| 1-bedroom | $1,951 | $78,040 | 22.0% |
| 2-bedroom | $2,542 | $101,680 | 28.7% |
| 3-bedroom | $3,520 | $140,800 | 39.8% |
| 4-bedroom | $4,249 | $169,960 | 48.0% |
FY2027 FMRs for Urban Honolulu, HI MSA: 40th-percentile gross rent (rent + tenant-paid utilities) for standard-quality units. Census median gross rent, all unit sizes: $2,083 (ACS 2020-2024).
Childcare prices in Honolulu County, HI
| Age band | Center, weekly (2022) | Center, yearly today* | Home-based, weekly (2022) | Home-based, yearly today* |
|---|---|---|---|---|
| Infant (under 2) | $366 | $23,250 | $208 | $13,202 |
| Toddler (2) | $263 | $16,723 | $208 | $13,202 |
| Preschool (3–4) | $263 | $16,723 | $208 | $13,202 |
| School-age (5–12) | $54 | $3,447 | — | — |
DOL National Database of Childcare Prices, 2022 county medians for full-time care in Honolulu County, HI (the metro’s principal county). *52 weeks × 1.2224, the BLS CPI change for day care and preschool from the 2022 average to 2026-08.
Taxes: what you keep in Urban Honolulu
| Single filer, 2026 | $50,000 | $75,000 | $120,000 |
|---|---|---|---|
| Federal income tax | $3,820 | $7,670 | $17,570 |
| Social Security + Medicare | $3,825 | $5,738 | $9,180 |
| Hawaii income tax | $2,025 | $3,896 | $7,316 |
| Hawaii payroll taxes | $250 | $375 | $390 |
| Take-home pay / month | $3,340 | $4,777 | $7,129 |
| Share of pay to taxes | 19.8% | 23.6% | 28.7% |
No mandatory local income tax for residents of Urban Honolulu in our data. State sales tax: 4% (state rate only; local rates add on), groceries 4%.
Calculate take-home pay for your household in Urban Honolulu, HI
Energy and fuel
EIA: electricity 2025, natural gas 2024, gasoline week ending 2026-10-05. Renters’ utilities are already inside gross rent.
Nearby metros
| Metro | Distance | Price level | 2-BR FMR | Single $60k left over |
|---|---|---|---|---|
| Urban Honolulu, HI | — | 111.0 | $2,542 | $183 |
| Kahului, HI · compare | 94 mi | 109.4 | $2,656 | $104 (−$79) |
| San Francisco, CA · compare | 2361 mi | 115.6 | $3,697 | −$839 (−$1,023) |
| Santa Rosa, CA · compare | 2394 mi | 107.8 | $2,819 | $70 (−$113) |
| Santa Cruz, CA · compare | 2397 mi | 109.9 | $4,254 | −$1,165 (−$1,348) |
| Vallejo, CA · compare | 2409 mi | 108.5 | $2,342 | $349 (+$166) |
| Napa, CA · compare | 2411 mi | 112.6 | $3,375 | −$355 (−$538) |
Frequently asked questions
Is Urban Honolulu, HI expensive to live in?+
BEA’s Regional Price Parities put overall prices in the Urban Honolulu, HI metro at 111.0 (US = 100) in 2024 — 11.0% above the national average and the 8th highest of 387 metros. Housing is 135.5, goods 111.6.
What salary do you need to live in Urban Honolulu, HI?+
A single renter earning $60,000 keeps $3,944 a month after 2026 taxes and has $183 left after rent at HUD Fair Market Rent, food, fuel, sales tax and other modeled costs. Use the cost of living calculator to find the salary that matches your current budget.
How much is rent in Urban Honolulu, HI?+
HUD’s FY2027 Fair Market Rent — the 40th-percentile gross rent including utilities — is $1,951 for a 1-bedroom and $2,542 for a 2-bedroom. The Census median gross rent for all units is $2,083.
Does Urban Honolulu have a local income tax?+
No mandatory local income tax applies to residents of Urban Honolulu in our 2026 data. Hawaii state income tax does apply.