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Kapaa, Hawaii Retirement Guide
established retirement community
54
Retirement Score
Kapaa, Hawaii at a Glance
- Median Home Price
- $691,400
- State Income Tax
- State income tax; Social Security exempt; many pensions partially or fully exempt depending on source.
- Avg January Low
- N/A
- Cost of Living Index
- 111.1 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 54 / 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
$691,400High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,829High 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)
100 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
44.9 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
100 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July HighData not available
Avg January LowData not available
Annual PrecipitationData not available
Sunny Days / YearData not available
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
9.9 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
2.8 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
10,846High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
45.7High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
20.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$87,895High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
63.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
6.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
36.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
6.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
32.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
0.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
10.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
33.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Kapaa using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,498
Stress-case monthly carrying cost
$1,682
Median home price used: $691,400
Median rent reference: $1,829 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.