Cost of Living in Hilo, HI (2026) – Salary Needed & Budget Calculator

Thinking about moving to Hilo? Use this 2026 Hilo cost of living calculator to estimate rent, groceries, utilities, transportation, healthcare and taxes.

Monthly Budget Breakdown

Net Monthly Income
$3,582.83
Estimated Expenses
$3,516.50
Monthly Remaining
$66.33
Tight Budget
🟢 Budget Assessment

You have very little buffer for savings or emergencies. A frugal lifestyle may be required.

With this income, you can potentially save around $796 per year.
Category Monthly Cost
Rent (Single) $1,700.00
Utilities $365.00
Groceries $450.00
Transportation (Public) $350.00
Healthcare $400.00
Miscellaneous (10.0%) $251.50
Total Estimated Costs $3,516.50
Tax & Benefits Breakdown
Federal: $434.67/mo
FICA: $382.50/mo
State: $350.00/mo
Benefits: $250.00/mo

Quality of Life & Environment

Local Climate

Enjoy 274 days of sunshine per year. Summer highs avg 99°F, while winter lows dip to 50°F.

Safety & Crime Rate
Moderate 51/100

Hilo ranks as a moderate safety zone compared to national averages for similar-sized metros.

Environmental Index

Air quality and environmental health factors in Hawaii remain a key priority for 2026.

Good Air Quality

Planning your move? Compare moving costs.

Compare moving costs in Hilo → Find affordable apartments in Hilo →

Hilo, HI Cost of Living Guide (2026)

Planning a move to Hilo, HI in 2026 requires a clear understanding of the local cost of living and economic landscape.

🏠 2026 Housing & Rent

For those seeking a home in Hilo, the 2026 budget should account for a monthly 1-bedroom rent of roughly $1,700. This cost includes access to Hilo's well-maintained infrastructure and community amenities.

💰 Taxes and Financial Planning

When evaluating your move to Hilo, consider that Hawaii levies a 7.0% income tax. This factor, combined with local sales taxes, defines the overall tax burden for professionals in the region.

🌟 Local Vibe & Lifestyle

Hilo is known for its welcoming community and access to local parks. The city's 2026 outlook is focused on sustainable growth and maintaining its unique Hawaii charm.

Salary Needed to Live Comfortably

In our estimation, to live a comfortable life in Hilo with a buffer for savings and hobbies, you would need a gross annual salary of approximately:

$72,264.00

This assumes you want to save at least $1,000 per month after all expenses and taxes.

Frequently Asked Questions

Hilo's cost of living is relative. Compared to major hubs like NYC or SF, it remains more accessible. Currently, a median 1-bedroom apartment in Hilo rents for approximately $1,700.

Based on local 2026 data, a single professional would typically need a gross annual salary of at least $72,264 to live comfortably, allowing for savings and leisure after paying for rent, taxes, and groceries.

Hilo has a safety score of 51/100, which is considered moderate according to our latest 2026 neighborhood analytics.
Adjust Your Details
Compare Hilo

See how Hilo stacks up against other cities.

View all comparisons
Nearby Cities to Explore

Moving to Hilo?

Get a free moving quote from our trusted partners and save up to 20%.

Get Free Quote
#Ad #AffiliateLink
Calculator Disclaimer

The results provided by this calculator are estimates based on publicly available data and modeling assumptions. Actual living costs, taxes, and relocation expenses may vary depending on personal circumstances, market conditions, and local regulations. This tool is intended for informational purposes only and should not be considered financial, tax, or legal advice. Always consult a qualified professional before making financial or relocation decisions.