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Cost of Living in Kapaa

Is it better to rent or buy in Kapaa? Explore median costs, utility estimates, and run the numbers on your own budget to see how far your income goes.

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Rent vs. Buy Affordability Calculator

Adjust the sliders to match your scenario. We recommend keeping total housing costs under 40% of your gross income.

$78,769
$1,971/mo

Median in area: $1,971

$808,999

Median in area: $808,999

$161,800

If you Rent

$2,209 /mo
Base Rent$1,971
Est. Utilities$238
% of Income33.7%
Pre-tax Residual$4,355

If you Buy

$4,688 /mo
P&I (6.784%)$4,212
Taxes & Ins$238
Est. Utilities$238
% of Income71.4%
Pre-tax Residual$1,876

Cost of Living FAQs

Is it cheaper to rent or buy in Kapaa?›

Based on median housing data, renting is currently more affordable on a monthly basis in Kapaa. The estimated all-in monthly cost for renting is $2,209, while owning a median-priced home with a 20% down payment is roughly $4,688 per month (a difference of $2,479).

How much do utilities cost in Kapaa?›

The average monthly utility cost (electricity and natural gas) for a typical home in Kapaa is approximately $238. This estimate uses local utility rate schedules combined with median energy consumption profiles.

What is a good salary to live comfortably in Kapaa?›

To comfortably afford the median rent and utilities in Kapaa without exceeding the recommended 30% housing-to-income threshold, a household should earn a gross salary of approximately $88,360 per year.