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Waipahu, Hawaii Retirement Guide
established retirement community
59
Retirement Score
Waipahu, Hawaii at a Glance
- Median Home Price
- $805,400
- State Income Tax
- State income tax; Social Security exempt; many pensions partially or fully exempt depending on source.
- Avg January Low
- 67.9°F
- Cost of Living Index
- 111.1 (US avg = 100)
- Best For
- established retirement community
- 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
$805,400High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,518High 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)
61.1 / 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
86.9°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
67.9°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
15.7"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
356 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)
33 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
41.6 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
39,873High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
39.6High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
21.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$87,961High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
57.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
6.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
18.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
11.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
4.4%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
6.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
67.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Waipahu using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,745
Stress-case monthly carrying cost
$1,960
Median home price used: $805,400
Median rent reference: $1,518 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.