Research / Most affordable ZIP codes
Most affordable ZIP codes in Hawaii
Ranked by the SkaldMaps Cost of Living Index, lowest first. 100 is about the national level; lower values indicate lower estimated costs.
How we rank lowest cost of living
The Cost of Living Index combines the local cost of everyday goods and services with the estimated cost of owning a typical listed home, including mortgage payments, property taxes, insurance, and maintenance. These measures are combined and compared with a national baseline.
100 is about the national level. Below 100, a homebuyer's money goes further; above 100, it goes less far.
It reflects homes for sale today, not what current owners pay, so it needs listing data: ZIPs without enough listings are not ranked. It does not include income, so a low index does not mean local wages cover local costs.
Only ZIPs with at least 1,000 residents are ranked, so a handful of households cannot top the list. 70 Hawaii ZIPs qualify.
Hawaii ZIP codes ranked by lowest cost of living
1ZIP 96748Kaunakakai
Hawaii
- Cost of living index
- 90.7
- ZIP population
- ~6k
- Avg. temperature
- 72°F
- Avg. commute
- 18 min
2ZIP 96737Ocean View
Hawaii
- Cost of living index
- 95.0
- ZIP population
- ~4k
- Avg. temperature
- 67°F
- Avg. commute
- 66 min
3ZIP 96777Pahala
Hawaii
- Cost of living index
- 95.2
- ZIP population
- ~2k
- Avg. temperature
- 69°F
- Avg. commute
- 46 min
4ZIP 96778Pahoa
Hawaii
- Cost of living index
- 98.1
- ZIP population
- ~15k
- Avg. temperature
- 66°F
- Avg. commute
- 35 min
5ZIP 96771Mountain View
Hawaii
- Cost of living index
- 102.7
- ZIP population
- ~8k
- Avg. temperature
- 65°F
- Avg. commute
- 37 min
6ZIP 96760Kurtistown
Hawaii
- Cost of living index
- 106.3
- ZIP population
- ~4k
- Avg. temperature
- 69°F
- Avg. commute
- 36 min
| Rank | ZIP | City | County | Cost of living index |
|---|---|---|---|---|
| #7 | 96822 | Honolulu | Honolulu County | 106.5 |
| #8 | 96785 | Volcano | Hawaii County | 109.3 |
| #9 | 96826 | Honolulu | Honolulu County | 109.3 |
| #10 | 96772 | Naalehu | Hawaii County | 110.0 |
| #11 | 96818 | Honolulu | Honolulu County | 111.4 |
| #12 | 96701 | Aiea | Honolulu County | 114.0 |
| #13 | 96817 | Honolulu | Honolulu County | 114.7 |
| #14 | 96792 | Waianae | Honolulu County | 117.3 |
| #15 | 96815 | Honolulu | Honolulu County | 118.5 |
| #16 | 96789 | Mililani | Honolulu County | 120.3 |
| #17 | 96749 | Keaau | Hawaii County | 120.6 |
| #18 | 96704 | Captain Cook | Hawaii County | 121.8 |
| #19 | 96720 | Hilo | Hawaii County | 125.8 |
| #20 | 96797 | Waipahu | Honolulu County | 127.1 |
| #21 | 96781 | Papaikou | Hawaii County | 129.0 |
| #22 | 96782 | Pearl City | Honolulu County | 130.6 |
| #23 | 96776 | Paauilo | Hawaii County | 130.8 |
| #24 | 96813 | Honolulu | Honolulu County | 132.3 |
| #25 | 96727 | Honokaa | Hawaii County | 134.9 |
Rank Hawaii by your own priorities
This list uses one attribute. In SkaldMaps you choose the criteria, weight them, and rank every Hawaii ZIP against what matters to you.
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More Hawaii research
Best ZIP codes for schools
Ranked by school quality index
- Hawaii median ZIP
- 50.0
- Middle 80% of ZIPs
- 50.0 to 50.0
ZIP codes with the shortest commutes
Ranked by mean commute
- Hawaii median ZIP
- 25.8 min
- Middle 80% of ZIPs
- 17.1 min to 35.4 min
Best healthcare access
Ranked by healthcare access score
- Hawaii median ZIP
- 95.0
- Middle 80% of ZIPs
- 85.1 to 98.6
Best broadband coverage
Ranked by households with broadband
- Hawaii median ZIP
- 92.6%
- Middle 80% of ZIPs
- 87.0% to 96.5%
Warmest ZIP codes
Ranked by avg. temperature
- Hawaii median ZIP
- 74.6°F
- Middle 80% of ZIPs
- 65.8°F to 77.3°F