Kahului is a small city located in Hawaii with a metropolitan area population of 26,337. A couple could live a moderate lifestyle in Kahului on a budget of $4,012 per month, or $48,148 per year.

Cost of Living in Kahului, Hawaii

As noted above, the cost of living in Kahului, Hawaii is $4,012 per month for a couple living a moderate lifestyle. This budget consists of $2,294 for housing related costs, $975 for food, and $744 for other costs, all of which will be broken down below.

Housing

• A one-bedroom apartment in the city center of Kahului is estimated to cost $1,813
• Basic utilities including electricity, water, and gas will run about $413
• High-speed internet averages $68

Food

• Typical grocery costs of $752 per month include things like bread, eggs, milk, cheese, rice, chicken breast, bottled water, fruits, and vegetables
• Alcohol including beer and wine for moderate home consumption costs about $123
• Frequent coffees in a neighborhood café are estimated to be about $100

Other

• Meals out are estimated to be $500 per month, including 4 meals in mid-range restaurants and 8 in inexpensive restaurants
• Transportation costs of $100 for public transport passes and occasional taxis
• Fitness center memberships of $75
• Cinema tickets of $69 include several outings for international releases

Note that Kahului, Hawaii is a somewhat walkable city with a Walk Score of 71/100, which means you may need a car if you are living in the city center and you will probably need to use public transportation frequently.

Amount of Money Needed to Retire in Kahului, Hawaii

Many people searching the internet for the cost of living in Kahului, Hawaii are doing so to see if and when they can quit their jobs and retire. A popular and easy way to calculate your retirement number is using the 4% Rule.

The 4% Rule estimates that a person(s) could withdraw 4% of their retirement nest egg and never run out of money. Using this calculation, a couple would need an investment portfolio of $1,203,693 to live a moderate lifestyle in Kahului, Hawaii.

Annual expenses of $48,148 ÷ 4% = $1,203,693 portfolio needed.

Of course, everyone’s financial situation is different, and the above calculation could change based on any other sources of passive income and social security income.

Summary

Overall, the cost of living in Kahului, Hawaii is affordable coming in at $4,012 for a couple living a moderate lifestyle. Those seeking to retire could do so comfortably with a retirement portfolio of $1,203,693.