Salary & Cost of Living in Kahului, HI
Kahului, HI: $63,645 median salary, cost of living index 182.4, $14.00/hr minimum wage. Calculate your take-home pay with our free paycheck calculator.
Median Salary
$63,645
$31/hr
Cost of Living
182.4
US avg = 100
Minimum Wage
$14.00
per hour
Unemployment
2.8%
rate
Kahului, HI Overview
Population
29,179
Median Salary
$63,645
Average Salary
$71,282
Avg Commute
17 min
Median Home Price
$675,000
Median Rent
$2,715/mo
Job Growth
+2.7%
Sales Tax
4%
Kahului is located in Hawaii with a population of 29,179. The median household salary is $63,645 per year ($31/hour), which is $4,261 above the national median of $59,384. The average commute time is 17 minutes, and the city has a job growth rate of +2.7%.
Kahului Salary by Experience Level (2026)
Wage distribution in Kahului, HI based on BLS percentile breakdown of the $63,645 median salary. Entry-level represents 10th–25th percentile; mid-level is the median; senior-level represents 75th–90th percentile.
| Experience Level | Annual Salary | Hourly Wage | Years Exp |
|---|---|---|---|
| Entry-Level | $39,460 | $18.97/hr | 0–2 years |
| Mid-Level (Median) | $63,645 | $30.60/hr | 3–7 years |
| Senior-Level | $90,376 | $43.45/hr | 8–15 years |
| Top 10% (90th Percentile) | $113,288 | $54.47/hr | 15+ years / leadership |
Percentile multipliers (62%, 100%, 142%, 178%) derived from 2024 BLS Occupational Employment and Wage Statistics distribution across all occupations in metro areas. Specific roles vary; see jobs by city for role-specific data.
Kahului Paycheck Calculator
Enter your annual salary to see your estimated take-home pay in Kahului, HI, after federal, state, and local taxes.
Estimated Annual Take-Home Pay
$47,910
$3,992.46/month · $1,842.67/biweekly · Effective Rate: 24.7%
Gross Pay
$63,645
Federal Tax
-$5,616
State Tax
-$5,251
Local Tax
$0
FICA
-$4,869
Net Pay
$47,910
Pay Breakdown
| Item | Monthly | Annual |
|---|---|---|
| Gross Salary | $5,303.75 | $63,645.00 |
| Federal Income Tax | -$467.99 | -$5,615.90 |
| Hawaii State Tax (8.25%) | -$437.56 | -$5,250.71 |
| Social Security (6.2%) | -$328.83 | -$3,945.99 |
| Medicare (1.45%) | -$76.90 | -$922.85 |
| Net Take-Home Pay | $3,992.46 | $47,909.55 |
Salary Comparison: Kahului vs Other Cities
See how Kahului's median salary and cost of living compare to the national average and similar cities.
| City | Median Salary | COL Index | Adj. Salary |
|---|---|---|---|
| Kahului, HI | $63,645 | 182.4 | $34,893 |
| National Average | $59,384 | 100 | $59,384 |
| Watsonville, CA | $63,698 | 156.1 | $40,806 |
| Centennial, CO | $63,742 | 106.3 | $59,964 |
| Teaneck, NJ | $63,756 | 125.1 | $50,964 |
| McLean, VA | $63,773 | 104.9 | $60,794 |
Adjusted salary reflects purchasing power when cost of living is factored in. A higher adjusted salary means your money goes further.
Cost of Living in Kahului
Kahului's cost of living index is 182.4 (national average = 100). Living in Kahului is 82.4% more expensive than the national average.
Median Home Price
$675,000
Median Monthly Rent
$2,715
Annual Rent Cost
$32,580
Your Salary's Purchasing Power
Your $47,910 annual take-home pay in Kahului has the purchasing power of approximately $26,266 in an average-cost US area. You would need to earn $116,088 in Kahului to match a $63,645 salary in an average-cost city.
Top Industries in Kahului
Kahului's economy is driven by these key industries. Workers in top industries often earn significantly above the median salary of $63,645.
Salary Tips for Kahului Workers
- Negotiate for cost of living. Kahului has a cost of living 82.4% above the national average. When negotiating salary, factor in the higher housing and living costs to ensure your real purchasing power stays competitive.
- Maximize pre-tax deductions. With a 8.25% state income tax rate, maximizing 401(k) contributions (up to $24,500 in 2026) and HSA contributions can significantly reduce both your federal and state tax burden.
- Research top industries. Kahului's top industries include Tourism, Military, Agriculture. Targeting roles in these sectors can help you earn above the $63,645 median salary.
- Review your W-4 withholding. If you regularly receive large tax refunds, adjust your W-4 to increase your per-paycheck take-home pay instead of giving the government an interest-free loan.
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Frequently Asked Questions
What is the median salary in Kahului, HI?
The median salary in Kahului, HI is $63,645 per year, or $31 per hour. The average salary is $71,282. This is $4,261 above the national median of $59,384.
What is the cost of living in Kahului, HI?
Kahului's cost of living index is 182.4 (national average = 100), meaning it is 82.4% more expensive compared to the national average. The median home price is $675,000 and the median monthly rent is $2,715.
What are the best industries in Kahului?
The top industries in Kahului, HI include Tourism, Military, Agriculture. The city has a job growth rate of 2.7% and an unemployment rate of 2.8%. Workers in these industries often earn above the city's median salary of $63,645.
How does Kahului's salary compare to other cities?
Kahului's median salary of $63,645 is 7.2% above the national median of $59,384. However, when adjusted for cost of living (index: 182.4), the real purchasing power is approximately $34,893.
What is the minimum wage in Kahului, HI?
The minimum wage in Kahului, HI is $14.00 per hour. This equals approximately $29,120 per year for a full-time worker (40 hours/week). This is $6.75 above the federal minimum wage of $7.25/hour.