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Kaneohe, Hawaii Retirement Guide
59
Retirement Score
Kaneohe, Hawaii at a Glance
- Median Home Price
- $941,500
- 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
- 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
$941,500High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$2,039High 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)
100 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
48.2 / 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
84.5°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Avg January Low
67.3°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Annual Precipitation
20.4"High confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Sunny Days / Year
352 daysHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Safety
Safety Score
100 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
15 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
9.8 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
35,493High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
45.1High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
24.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$120,451High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
75.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
8.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
36.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
7.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
18.2%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
11.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
39.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Kaneohe using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$2,040
Stress-case monthly carrying cost
$2,291
Median home price used: $941,500
Median rent reference: $2,039 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.