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Kahului, Hawaii Retirement Guide
established retirement community
43
Retirement Score
Kahului, Hawaii at a Glance
- Median Home Price
- $765,300
- State Income Tax
- State income tax; Social Security exempt; many pensions partially or fully exempt depending on source.
- Avg January Low
- 67.3°F
- Cost of Living Index
- 111.1 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 43 / 100
Retirement Data
Affordability
Cost of Living Index
111.1 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$765,300High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,469High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security exempt; many pensions partially or fully exempt depending on source.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
33.6 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
53.5 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
33.6 / 100Medium confidence
CMS Provider of Services · Updated March 2026
Climate
Avg July High
84.5°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
67.3°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
17.2"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
352 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
27 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
9 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
27,233High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
42.6High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
19.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$94,712High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
62.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
5.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
23.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
8.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
12.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
1.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
9.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
53.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Kahului using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,658
Stress-case monthly carrying cost
$1,862
Median home price used: $765,300
Median rent reference: $1,469 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.