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Kailua-Kona, Hawaii Retirement Guide
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Retirement Score
Kailua-Kona, Hawaii at a Glance
- Median Home Price
- $1,208,600
- State Income Tax
- State income tax; Social Security exempt; many pensions partially or fully exempt depending on source.
- Avg January Low
- 67.6°F
- Cost of Living Index
- 111.1 (US avg = 100)
- Best For
- N/A
- RetireCityIQ Score
- 59 / 100
Retirement Data
Affordability
Cost of Living Index
111.1 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$1,208,600High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$2,842High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
45 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security exempt; many pensions partially or fully exempt depending on source.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
64.2 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
47.2 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
100 / 100High confidence
CMS Hospital General Information + RetireCityIQ nearest-hospital radius model · Updated June 2026
Climate
Avg July High
81.6°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
67.6°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
59"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
352 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
100 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
13.4 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
7.8 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
40,323High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
42.2High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
20.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$138,363High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
73.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
10.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
51.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
4.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
42.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
0.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
8.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
21.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Kailua-Kona using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$2,619
Stress-case monthly carrying cost
$2,941
Median home price used: $1,208,600
Median rent reference: $2,842 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
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