Cost of Living in Kaneohe
Kaneohe's cost of living runs genuinely high even relative to Hawaii's own already-extreme statewide cost of living, driven primarily by housing.
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Learn moreApproximately double the national average
Kaneohe's cost of living was cited at approximately 2.0x the national average -- layered on top of Hawaii's own statewide cost-of-living index of approximately 193 (nearly double the national baseline).
Housing is the dominant driver
Cited home prices of $822,000-$1.07 million and rents up to $3,900/month for houses are the largest single driver of Kaneohe's elevated cost of living.
Lower property taxes and homeowners insurance help offset
Hawaii's genuinely lowest-in-the-nation effective property tax rate (~0.27%) and cheapest-in-the-nation homeowners insurance (statewide average ~$801-$1,724/year) provide real, partial cost relief.
Key takeaways
- Kaneohe's cost of living runs approximately 2.0x the national average.
- Housing costs are the dominant driver of that elevated cost of living.
- Hawaii's low property tax rate and cheap homeowners insurance offer real, partial offsets.
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