Rows tagged local are specific to Waimalu (Census ACS); state rows are state averages; metro-area rows are inherited from Honolulu, HI. Home value is ACS owner-reported (not a Zillow sale price).
School score: 5/10 (district Hawaii Department Of Education · NCES EDFacts)
Cost of living
Metric
Value
Scope
US rank
Cost-of-living index (US=100)
111.4
metro-area
#190 of 200 metros
Grocery index (US=100)
110.3
metro-area
#199 of 200 metros
Big Mac price (est.)
$6.34
metro-area
#190 of 200 metros
Median household income
$85,710
local
#1562 of 3,220 cities
Median wage (all occupations)
$51,496
local
#1088 of 3,220 cities
Who lives here
Metric
Value
Scope
US rank
Median age
39.4 years
metro-area
#125 of 200 metros
Bachelor's degree or higher (25+)
37.7%
metro-area
#59 of 200 metros
Foreign-born residents
19.6%
metro-area
#31 of 200 metros
Homes that are owner-occupied
59.5%
metro-area
#178 of 200 metros
Economy
Metric
Value
Scope
US rank
Unemployment rate
7.36%
local
#2699 of 3,220 cities
Population growth (5-yr)
+5.9%
local
#1149 of 3,220 cities
Housing — what your money buys
Metric
Value
Scope
US rank
Median home price
$552,900
local
#2542 of 3,220 cities
Home price ÷ income (affordability)
6.5×
local
#2868 of 3,220 cities
1-yr home appreciation
+0.6%
metro-area
#122 of 200 metros
Price per square foot
$369
local
#2707 of 3,220 cities
Typical home size (implied)
1,500 sqft
Median rent (monthly)
$1,854
local
#2478 of 3,220 cities
Homes for sale (inventory)
3,782
Median days on market
31
metro-area
#154 of 200 metros
Taxes
Metric
Value
Scope
US rank
Total tax burden (est. % of income)
14.1%
state
#188 of 200 metros
Combined sales tax
4.50%
state
#6 of 200 metros
State income tax (top rate)
12.00%
Capital gains tax
11.00%
state
#179 of 200 metros
High earners
11% top rate — among the highest in the nation
Social Security in retirement
Not taxed — does not tax Social Security benefits
Effective property tax rate
0.26%
local
#6 of 3,220 cities
Median property tax paid
$1,449
local
#311 of 3,220 cities
Health & childcare
Metric
Value
Scope
US rank
Life expectancy at birth
81.7 years
metro-area
#6 of 200 metros
Healthcare (annual, single adult)
$5,800
state
#3 of 200 metros
Uninsured (share of residents)
4.0%
metro-area
#4 of 200 metros
Primary care providers per 100k
93
metro-area
#27 of 200 metros
Childcare (annual, infant, center)
$15,000
state
#141 of 200 metros
Vehicles & commute
Metric
Value
Scope
US rank
Annual registration
$150
state
#125 of 200 metros
Vehicle property tax (annual)
None
state
#1 of 200 metros
Emissions testing
Not required
Emissions detail
No vehicle emissions testing
DMV & license offices
4
Avg commute to work
25 min
local
#1114 of 3,220 cities
Commute by driving alone
64.0%
metro-area
#15 of 200 metros
Solo drivers commuting 30+ min
42.9%
metro-area
#174 of 200 metros
Utilities & fuel
Metric
Value
Scope
US rank
Electricity
46.6¢/kWh
state
#200 of 200 metros
Avg monthly electric bill
$420
state
#200 of 200 metros
Gasoline
$4.70/gal
state
#181 of 200 metros
Natural gas (avg monthly bill)
$42
state
#19 of 200 metros
Water & sewer (avg monthly bill)
$194
state
#193 of 200 metros
Home internet (avg monthly bill)
$69
state
#11 of 200 metros
Insurance
Metric
Value
Scope
US rank
Home insurance (annual)
$1,100
state
#7 of 200 metros
Auto insurance (annual)
$1,400
state
#18 of 200 metros
Disaster risk & supplemental insurance
Metric
Value
Scope
US rank
Main natural hazards
Notable hazards: hurricanes, flooding, earthquakes — separate flood/quake/windstorm policies may be needed.
FEMA National Risk Index (0–100, higher = more risk)
98.8 — Relatively High
metro-area
#180 of 200 metros
Flood insurance (annual, NFIP)
$800
state
#120 of 200 metros
Earthquake insurance (annual)
$550
state
#171 of 200 metros
Climate & air quality
Metric
Value
Scope
US rank
Air quality (median AQI, lower=cleaner)
31
metro-area
#8 of 200 metros
Cooling degree-days (AC load)
3,500
metro-area
#179 of 200 metros
Homes with air conditioning (state)
57%
state
#191 of 200 metros
Heating degree-days (heat load)
0
metro-area
#1 of 200 metros
Days per year ≥ 90°F
19
metro-area
#81 of 200 metros
Days per year ≥ 100°F
0
metro-area
#5 of 200 metros
Avg summer high (state)
85°F
metro-area
#59 of 200 metros
Avg winter low
66°F
metro-area
#3 of 200 metros
Annual precipitation
16.4"
metro-area
#31 of 200 metros
Annual snowfall
0.0"
metro-area
#1 of 200 metros
Sunshine (% of possible)
71%
metro-area
#24 of 200 metros
Plant hardiness zone
12a
Frost window
01-01 → 01-01
Safety
Metric
Value
Scope
US rank
Violent crime (per 100k, state avg)
260
state
#15 of 200 metros
Property crime (per 100k, state avg)
2,600
state
#157 of 200 metros
Local amenities & recreation
Metric
Value
Scope
US rank
Grocery stores
120
metro-area
#5 of 200 metros
Parks
60
Hiking areas
15
Golf courses
15
Shooting ranges
4
Lakes
4
Permits
Metric
Value
Scope
US rank
Building permit difficulty (1–5)
5
state
#165 of 200 metros
Permit detail
Very difficult; long timelines
US rank = this metro's position among all 200 metros (1 = best: cheapest / safest / highest income, etc.). Childcare is a family cost, not included in the salary-equivalence total.