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Kailua-Kona, Hawaii Retirement Guide
Retirement Score
Kailua-Kona, Hawaii at a Glance
- Median Home Price
- $1,208,600
- State Income Tax
- State income tax; Social Security exempt; many pensions partially or fully exempt depending on source.
- Avg January Low
- 67.6°F
- Cost of Living Index
- 111.1 (US avg = 100)
- RetireCityIQ Score
- 50 / 100
Overview
Explore the key retirement factors for Kailua-Kona, Hawaii, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
Kailua-Kona's cost of living is 11.099999999999994% above the national average. For a detailed breakdown of expenses, see our cost of living methodology.
Housing
Real Estate & Housing
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Kailua-Kona using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$2,619
Stress-case monthly carrying cost
$2,941
Median home price used: $1,208,600
Median rent reference: $2,842 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Budget validation
Calculate if your savings last in this city
Use RetireFree to test whether your portfolio can support retirement in Kailua-Kona, Hawaii after local housing costs, taxes, healthcare, inflation, and withdrawal timing.
Open the RetireFree Calculator →Healthcare
Access & Quality
Quality of care and specialist availability are critical for a successful retirement. Kailua-Kona scores 64.2 out of 100 for healthcare access.
Care planning link
Find local assisted living in Kailua-Kona
If your city research includes aging parents, future care needs, or a move closer to family, compare local care options alongside housing and healthcare access.
Assisted living in Kailua-Kona →Taxes
State Tax Climate
Hawaii has a tax environment that is moderate for retirees.
Climate
Weather & Environment
With 352 sunny days a year and an average January low of 67.6°F, Kailua-Kona offers a mild winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in Kailua-Kona
What is the cost of living in Kailua-Kona, Hawaii for retirees?▾
The cost-of-living index is 111, roughly 11% above the national average of 100. Median home price is around $1,208,600.
Does Hawaii tax Social Security or retirement income?▾
For Hawaii residents: State income tax; Social Security exempt; many pensions partially or fully exempt depending on source.
What is the climate like in Kailua-Kona, Hawaii?▾
Kailua-Kona, Hawaii has January average low around 68°F, July average high around 82°F. Climate normals are based on 30-year averages from NOAA's National Centers for Environmental Information.
What is healthcare access like in Kailua-Kona, Hawaii?▾
Kailua-Kona scores 64/100 on the RetireCityIQ healthcare access index — a solid score. The index combines CMS hospital quality ratings, Medicare Advantage plan availability, and hospitals per 100,000 residents (KFF + CMS data).
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