Photo by Jeremy Huang on Unsplash (https://unsplash.com/@plover37)
Makakilo, Hawaii Retirement Guide
established retirement community
33
Retirement Score
Makakilo, Hawaii at a Glance
- Median Home Price
- $755,500
- State Income Tax
- State income tax; Social Security exempt; many pensions partially or fully exempt depending on source.
- Avg January Low
- 63.9°F
- Cost of Living Index
- 111.1 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 33 / 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
$755,500High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$2,071High 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)
0 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
45.6 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
0 / 100High confidence
CMS Hospital General Information (no in-city hospital listed) · Updated June 2026
Climate
Avg July High
85.3°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
63.9°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
20.4"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)
9.7 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
8.3 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
21,055High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
34.9High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
12.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$115,435High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
77.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
14.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
34.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
7.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
26.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
6.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
13.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
28.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Makakilo using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,637
Stress-case monthly carrying cost
$1,838
Median home price used: $755,500
Median rent reference: $2,071 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.