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Waipahu, Hawaii

USA · Comprehensive city data and intelligence

47
Overall Score

Waipahu is a historic census-designated place located on the island of Oʻahu in Honolulu County, Hawaii. Originally a thriving plantation community centered around the Oahu Sugar Company, the area has evolved into a vibrant, culturally diverse residential suburb. Today, it serves as a melting pot of Pacific Islander and Asian cultures, deeply preserving its rich plantation heritage while embracing modern suburban growth.

About Hawaii

Hawaii is characterized by its unique island geography, diverse cultural heritage, and a pervasive "Aloha Spirit" emphasizing love, compassion, and community. The economy is heavily reliant on tourism, which is the largest industry, contributing significantly to the state's gross product. Other major industries include military defense, diversified agriculture, and emerging sectors like healthcare, technology, and renewable energy. Living in Hawaii is notably expensive, with a cost of living index nearly double the national average, primarily driven by high housing, utility, and grocery costs due to its isolated location and dependence on imports. The climate is tropical with year-round warm temperatures, consistent trade winds, and distinct wet and dry seasons, though local variations can range from humid tropical to alpine. The lifestyle is generally laid-back and deeply connected to outdoor activities and nature, with residents enjoying a high life expectancy.

38,626
Population
$64K
Avg Salary
175
Cost Index
46.7
Quality Score
How this 47/100 was calculated five components, with every reading behind them
Component Readings used Points Weight Contributes
Safety Safety score: 68 / 100 68.0 30% 20.4
Affordability Cost of living index (100 = national baseline): 175.0 0.0 25% 0.0
Economy & jobs Median household income: $88,000 Income needed to live here: $75,000 Unemployment rate: 3.5% 64.0 20% 12.8
Growth Population growth rate: 0.5% Job growth rate: 1.8% 46.8 15% 7.0
Business climate assessment Business climate assessment: 65 / 100 65.0 10% 6.5
Overall score 46.7

Provenance. These figures were produced by the research pass recorded as Tier 1 (fast) (q=54, partial — below threshold), last refreshed 15 October 2026. They are researched estimates drawn from public sources, not a licensed data feed.

Each component is scored against fixed published endpoints, so this number is comparable with any other city and does not move as the dataset grows. Scoring framework 2026.10 — full methodology, weights and accepted ranges.

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Quality Scores

Business
65
Livability
74
Affordability
45
Growth
68

Cost of Living

The cost of living in Waipahu is significantly higher than the U.S. national average, driven largely by Hawaii's geographic isolation, which inflates the cost of imported goods, energy, and transportation. Housing represents the largest single expense for residents, with both home prices and rental rates ranking well above mainland averages. Additionally, high utility rates and grocery expenses contribute to the overall financial pressure on households living in the area.

Average Rent
$2,200/mo
Groceries
$500/mo
Transport
$150/mo
Utilities
$250/mo
Healthcare
$280/mo
Gym membership (monthly)
$60.00
Cinema ticket
$15.00
Restaurant meal (mid-range)
$25.00
Monthly groceries
$500.00
Doctor visit (without insurance)
$160.00

Salary Insights

Waipahu's local economy is closely tied to the broader Honolulu metropolitan area, with many residents commuting into downtown Honolulu or nearby employment hubs. Major local employment sectors include healthcare, retail trade, education, and hospitality, alongside construction and public administration. While traditional agricultural dominance has faded, the modern economy benefits from small businesses, service industries, and government employment.

The average salary in Waipahu is $64,000 per year. You would need approximately $75,000 to live comfortably.

Top Industries

Retail Trade +1.20% Construction +2.20% Accommodation and Food Services +2.00% Educational Services +1.00% Healthcare and Social Assistance +2.40%

Climate

🌡️
78°F
Avg Temp
☀️
87°F
Summer High
❄️
68°F
Winter Low
🌧️
18.90"
Annual Rain
💧
68.00%
Humidity
🌤️
278
Sunny Days

Transport

Transportation in Waipahu is heavily car-dependent, though the region is served by the Honolulu TheBus public transit system and the newly developed Skyline rail transit system. Major arterial roadways, particularly the H-1 Freeway and Farrington Highway, connect residents to the rest of Oʻahu. Traffic congestion during peak commuting hours is a common challenge for those traveling toward downtown Honolulu.

32 min
Avg Commute
52.00/10
Transit Score
58.00/10
Walkability
High
Car Dependency

Pros & Cons

Advantages
Rich cultural heritage and diverse community with exceptional local dining and markets.
Strategic central Oʻahu location with growing access to the Skyline rail transit system.
Consistently warm tropical climate with year-round outdoor recreational opportunities.
Strong community identity and active neighborhood civic organizations.
Proximity to major employment centers in Central and urban Honolulu.
Drawbacks
Significantly high cost of living and housing expenses compared to the U.S. mainland.
Heavy traffic congestion on the H-1 Freeway and local highways during peak hours.
Limited new housing inventory driving up purchase and rental prices.
High electricity and utility rates across the island.
Vulnerability to tropical weather events and climate-related infrastructure pressures.

Questions about Waipahu

What people ask about living in and moving to Waipahu, Hawaii.

Gathering the most common questions about Waipahu…

Frequently Asked Questions

Urblytica benchmarks its Cost of Living Index against a United States national average baseline of 100. A score of 115 means a city is approximately 15% more expensive than the national average, while a score of 85 indicates it is 15% more affordable. This composite calculation is weighted across six primary expenditure categories: housing, utilities, grocery items, transportation, healthcare, and miscellaneous goods.

Urblytica aggregates housing data from multiple authoritative sources, including Multiple Listing Service (MLS) feeds, municipal property tax registries, the U.S. Census Bureau’s American Community Survey (ACS), and verified historical deed transactions. This multi-tier aggregation ensures precision in tracking median home values and rental rates.

A municipality must meet minimum data-density thresholds—including consistent reporting population samples from the U.S. Census and active residential or commercial real estate transaction feeds—to ensure statistical significance before a complete scoring profile is published.

When primary agencies (such as the Bureau of Labor Statistics or U.S. Census Bureau) issue historical data revisions or benchmark corrections, Urblytica's data pipeline automatically re-indexes affected historical archives to maintain longitudinal trend accuracy.

U.S. affordability calculations incorporate federal income tax brackets, state-specific income tax rates, and local municipal tax variations to evaluate the true net tax drag on median household earnings across different states and cities.

Local county and municipal property tax millage rates are factored directly into the housing component of the cost-of-living index to reflect recurring annual tax burdens for homeowners.

The platform aggregates state sales taxes alongside county and city surtaxes to measure consumer basket purchasing power parity accurately across different retail jurisdictions.

Utility calculations apply regional seasonal consumption weightings, incorporating high summer air conditioning loads in southern states and heavy winter heating demands in northern states.

The index tracks average out-of-pocket healthcare expenses, routine outpatient visit costs, and regional health insurance premium benchmarks published by federal health agencies.

Educational metrics aggregate state standardized testing benchmarks, student-to-teacher ratios, high school graduation rates, and per-pupil expenditure data published by state departments of education.

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