A Complete Guide to the Cost of Living in Oahu Hawaii in 2025: Breaking Down the Affordability of Paradise
how much does it cost to live in oahu 2025
Table of Contents
Quick Facts
Cost of Living in Oahu
Housing Costs in Oahu
Food Costs in Oahu
Transportation Costs in Oahu
Utilities and Other Expenses in Oahu
Tips for Saving Money in Oahu
Frequently Asked Questions
Resources & Links
For Buyers & Sellers
Quick Facts
- The overall cost of living in Oahu is 196.3% of the national average in the United States.
- Median home price in Oahu is around $840,000.
- Average rent for a one-bedroom apartment in Oahu is approximately $1,800 per month.
- The cost of groceries in Oahu is 53.8% higher than the national average.
- Gasoline prices in Oahu are about 10% higher than the national average.
- Average cost of a gallon of milk in Oahu is around $6.50.
- A loaf of bread can cost around $4.50 in Oahu.
- The cost of dining out in Oahu can range from $15 to $30 per meal.
- Utilities for a one-bedroom apartment in Oahu can cost around $200 per month.
- The sales tax rate in Oahu is 4.166%, with an additional 0.5% county surcharge.
Living in Oahu, Hawaii, is a dream for many. With its stunning beaches, lush greenery, and Aloha spirit, it’s no wonder why people from around the world are drawn to this tropical paradise. However, the cost of living in Oahu can be steep, making it essential to understand the expenses involved before making the move. In this article, we’ll delve into the costs of living in Oahu in 2025, covering housing, food, transportation, and more.
Housing Costs in Oahu
One of the most significant expenses in Oahu is housing. The cost of buying or renting a property in Oahu varies greatly depending on the location, size, and type of accommodation.
| Location | Median Home Price |
|---|---|
| Honolulu | $830,000 |
| Waikiki | $560,000 |
| North Shore | $740,000 |
| Ewa Beach | $640,000 |
| Kapolei | $620,000 |
Rentals in Oahu are also pricey, with the average rent for a one-bedroom apartment being around $1,800 per month.
| Location | Average Rent (1-bedroom) |
|---|---|
| Honolulu | $2,000 |
| Waikiki | $2,500 |
| North Shore | $1,900 |
| Ewa Beach | $1,800 |
| Kapolei | $1,700 |
Food Costs in Oahu
Food prices in Oahu can be higher than in other parts of the country. Eating out can be expensive, with the average cost of a meal at a mid-range restaurant being around $20 per person.
| Item | Average Price |
|---|---|
| Milk (gallon) | $6.50 |
| Bread (loaf) | $3.50 |
| Eggs (dozen) | $4.50 |
| Chicken Breast (pound) | $7.00 |
| Rice (20 pounds) | $25.00 |
To save money on food, consider buying in bulk and cooking at home.
Transportation Costs in Oahu
Oahu is a relatively small island, making it easy to get around without a car. However, if you do choose to own a vehicle, be prepared for high gas prices and parking fees.
| Mode of Transportation | Average Cost |
|---|---|
| Gasoline (gallon) | $4.50 |
| Parking (hour) | $3.00 |
| Bus Fare | $3.00 |
| Taxi Ride (mile) | $3.50 |
Utilities and Other Expenses in Oahu
Other expenses to consider when living in Oahu include utilities, internet, and entertainment.
| Utility | Average Cost |
|---|---|
| Electricity | $150 |
| Water | $50 |
| Gas | $30 |
| Internet | $60 |
| Activity | Average Cost |
|---|---|
| Movie Ticket | $12.00 |
| Dinner at a Mid-Range Restaurant | $20.00 |
| Surfing Lesson | $50.00 |
| Hiking Tour | $75.00 |
Tips for Saving Money in Oahu
While the cost of living in Oahu can be high, there are ways to save money and make the most of your island life.
- Buy in bulk: Purchase groceries and other essentials in bulk to reduce costs.
- Use public transportation: Take advantage of Oahu’s public transportation system to save on gas and parking fees.
- Cook at home: Eat in instead of out to reduce food expenses.
- Take advantage of free activities: Enjoy Oahu’s beautiful beaches, parks, and hiking trails, which are often free or low-cost.
- Negotiate rent: If possible, try to negotiate your rent with your landlord to get a better deal.
Frequently Asked Questions:
FAQ: How Much Does it Cost to Live in Oahu?
- Q: What is the average cost of housing in Oahu?
- A: As of 2025, the average monthly rent for a one-bedroom apartment in Honolulu is around $2,400, while a three-bedroom apartment averages around $3,400. For those looking to buy, the median home price is around $845,000.
- Q: How much will I need to pay in utilities per month?
- A: Utility costs in Oahu can vary depending on usage and provider. On average, expect to pay around $150-250 per month for electricity, water, and internet.
- Q: What about food costs in Oahu?
- A: Eating out can range from $15-30 per meal for casual dining, while mid-range restaurants average around $30-50 per person. Groceries can range from $100-200 per week for basic essentials, depending on where you shop.
- Q: Are there any other expenses I should factor into my budget?
- A: Transportation costs can add up quickly, especially for those without a car. Public transportation options like buses and trains average around $2 per ride or $60 per month for a pass. Car insurance, gas, and maintenance can range from $500-1000 per month, depending on your vehicle and usage.
- Q: What about healthcare costs in Oahu?
- A: As with any location, healthcare costs in Oahu can vary depending on insurance coverage and provider. On average, a doctor’s visit can cost around $50-100 copay, while prescriptions can range from $20-100 or more per month.
- Q: How much will I need to budget for taxes?
- A: As a resident of Oahu, you will be required to pay state income tax, which currently ranges from 8.25-11%. You will also need to factor in federal income tax, which can range from 10-37%. Additionally, you may need to pay property taxes, which range around 0.25-0.5% of your home’s value.
- Q: What is the cost of other expenses, like entertainment and leisure activities?
- A: Oahu offers a wide range of activities and attractions, from surfing lessons to helicopter tours. On average, expect to pay around $50-100 per person for most activities, while concerts, shows, and sporting events can range from $50-200 per person.
- Q: How much should I budget overall to live comfortably in Oahu?
- A: As the cost of living in Oahu is notoriously high, it’s recommended to budget at least 50-70% of your income towards rent, utilities, food, and other expenses. For example, if you earn $60,000 per year, you should aim to budget around $27,000-39,000 per year. Adjust this amount based on your individual financial situation and lifestyle.
Resources & Links
- https://www.numbeo.com/cost-of-living/in/Honolulu
- https://www.expatistan.com/cost-of-living/city/honolulu
- https://www.insider.com/cost-of-living-in-honolulu-2023-4
- https://www.bestplaces.net/cost_of_living/city/hawaii/honolulu
- https://www.kiplinger.com/slideshow/retirement/T032-S001-5-ways-college-funders-can-maximize-retirement-savings/index.html
For Buyers & Sellers
Living in Oahu in 2025: A Personal Summary of the Costs and Their Impact on Home Buyers and Sellers
As of my knowledge cutoff in 2023, the island of Oahu, Hawaii, is known for its breathtaking landscapes, rich culture, and high standard of living. However, living in Oahu comes with a significant price tag. In this summary, I’ll highlight the costs associated with living in Oahu, how they impact home buyers and sellers, and offer some valuable insights for those considering a move to this beautiful island.
Cost of Living in Oahu: Current Trends and Projections
The cost of living in Oahu has been escalating over the years, driven by factors such as:
- Housing costs: The median home price in Oahu is around $1 million, with prices projected to rise by 5-7% annually. Rentals are no exception, with median rents for a 2-bedroom apartment in Honolulu reaching $2,200 per month.
- Food and transportation costs: Eating out is expensive in Oahu, with meals averaging $15-20 per person. Gas prices are also higher than the national average, contributing to increased transportation costs.
- Taxes and utility costs: Hawaii’s state income tax is 8.25%, and utility costs (electricity, water, and gas) are among the highest in the country.
- Healthcare costs: Health insurance premiums in Hawaii are among the highest in the United States.
Impact on Home Buyers:
- Priced out: The high cost of housing in Oahu makes it challenging for first-time home buyers to enter the market. Even for those with decent credit, the down payment requirements can be substantial.
- Rental vs. ownership: With median rents outpacing mortgage payments, some buyers may opt for rental properties, which can be a more affordable option in the short term.
- Financing costs: Home buyers may need to consider higher mortgage rates, longer financing terms, and higher interest rates to afford the high cost of housing in Oahu.
Impact on Home Sellers:
- Higher costs for sellers: With increasing construction costs, property taxes, and insurance premiums, home sellers in Oahu may need to absorb these expenses when selling their property.
- Higher purchase prices: The high demand for housing in Oahu drives up prices, which can make it difficult for home sellers to recover their initial investment and closing costs.
- Maintenance and renovation costs: With increasing property values, home sellers may feel pressure to invest in renovations and maintenance to stay competitive in the market.
Insights for Home Buyers and Sellers:
- Research and plan carefully: Consider all costs, including housing costs, food, transportation, and taxes, to ensure that you’re prepared for the high cost of living in Oahu.
- Explore financing options: Look into lower-cost housing options, such as shared ownership or community land trusts, to make homeownership more affordable.
- Weigh the costs and benefits: Carefully consider the long-term costs and benefits of living in Oahu, including factors like quality of life, cultural opportunities, and community amenities.
