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The 07 Most Affordable Places to Live in Hawaii

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A Cook, Software analyst & Blogger.

Most Affordable Places to Live in Hawaii: With its pristine beaches, breath-taking scenery, and impressive volcano-topped forests, Hawaii seems straight out of a postcard. Aloha State is also known for its rich history and culture and the ample recreational opportunities it offers. No wonder it’s a dream destination for many.

Due to its geographical location, things on the Hawaiian Islands cost more than on the mainland, adding to the cost of living.

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But you can still find affordable places to put down your roots in this picturesque state.

Wondering which would be the perfect place to take up residence here?

We’ve got you covered with our list of the most affordable places to live in Hawaii: –

Hilo #1

Located on the Big Island’s western shore, Hilo is also known as the gateway to Hawaii Volcanoes National Park.

Most Affordable Places to Live in Hawaii
Hilo – Most Affordable Places to Live in Hawaii

With easy access to the national park and impressive natural attractions such as the Liliuokalani Gardens and Wailuku River State Park, there are endless outdoor recreational activities to enjoy here.

What’s more?

The Downtown area is chock full of shops, restaurants, art galleries, and museums.

The city also hosts the Merrie Monarch Hula Festival annually adding to its entertainment scene.

Couple that with numerous excellent educational institutes and a cost of living lower than the state average.

Kailua #2

Only half an hour’s drive from Honolulu, Kailua is known for Oahu’s most beautiful beaches.

The Kailua Beach Park offers a host of outdoor recreational activities including waterboarding, kayaking, and surfing amongst others.

Most Affordable Places to Live in Hawaii
The place also offers easy access to the Honolulu Watershed Forest Reserve.

What’s more?

You can find numerous excellent restaurants and boutiques here.

While the median house prices here are around $813k, the high average salary is around $104k, much higher than most parts of the state, making it easier to cover the expenses. 

Wailuku #3

Looking for a small-town vibe with access to urban amenities?

Wailuku may be a perfect choice.

Located in Maui, this picturesque city offers a tranquil vibe and lush natural beauty. Offering easy access to the nearby Iao Valley State Park, it is an adventure lovers’ paradise.

Most Affordable Places to Live in Hawaii
Waimoku Falls – It is also home to numerous restaurants and boutiques.

If you’re an artsy person, its historic downtown hosts First Friday, a vibrant street fair where you can witness various local artists and entertainers showcase their skills.

You can enjoy all these offerings without breaking the bank with housing prices & rental options lower than the state average. It is one of the most affordable places to live in Hawaii.

Hana #4

From its scenic black and red sand beaches, and majestic waterfalls to the famous “Road to Hana”, the city features breath-taking natural beauty.

Most Affordable Places to Live in Hawaii
There is no dearth of recreational activities to enjoy here.

From hiking on the trails through lush rainforests, soaking up the sun at the beach, or shopping at Downtown Hana, there is something here for everyone.

If you’re looking to be a part of a tight-knit community and love spending time amidst nature, this scenic place won’t disappoint.

Hana is an affordable Hawaii gem with rental and housing prices less than the state average. 

Waimalu #5

Looking for easy access to a vibrant big city entertainment scene without the skyrocketing costs?

Waimalu may be a perfect choice. 

A short drive away from Honolulu, Waimalu offers a plethora of recreational activities.

Most Affordable Places to Live in Hawaii
If you love to shop, the city is home to Pearlridge Center, the largest indoor mall in the state with more than 170 shops.

Other notable attractions include Pearl Harbor National Museum and the USS Arizona Memorial.

Love an active lifestyle?

Hanauma Bay Nature Preserve offers plenty of outdoor recreational activities. Even though the average rental and housing options are over the national average, they are still less than most other places in Hawaii. 

Kapaʻa #6

Located on the east-central coast of Kauai island, Kapaʻa has plenty of attractive offerings.

This town is home to The Kinipopo Shopping Village, where you can find many fascinating shops, excellent restaurants, and bakeries.

Most Affordable Places to Live in Hawaii
With the numerous hiking trails along Nounou Mountain, there are ample opportunities for outdoor adventure.

What’s more?

There are numerous good schools here and the place is considered quite safe.

The cost of living here is less than the state average, making it a great choice for the budget-conscious. 

Wahiawa #7

Located between the Wai’enae and the Ko’olau Mountains, Wahiawa offers spectacular natural scenery.

From lounging at the Wahiawa Botanical Garden, and fishing at the Wahiawa Freshwater State Recreation Area, to exploring the Dole Plantation and shopping in Downtown Wahiawa, there is a host of recreational activities to enjoy here.

Most Affordable Places to Live in Hawaii
There is a strong military community here due to its proximity to the posts.

You’ll also find vibrant ethnic neighbourhoods, offering a rich cultural experience.

What’s more?

You can enjoy all these offerings without breaking the bank since the cost of living is lower than the state average. 

So, pick the one that speaks to you and get ready to enjoy the incredible offerings of this stunning state. 

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Q. Which part of Hawaii is the cheapest?

Hana and Hilo are some of the most affordable places in Hawaii. 

Q. How much money do you need to live comfortably in Hawaii?

You’ll need an income of around $120,000 or more to live comfortably in Hawaii. 

Q. Is Maui or Honolulu cheaper?

Honolulu is cheaper than Maui. 

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