Last update: Oct 2026

Cost of Living Comparison Between Waipahu, HI and New York, NY

For one person, living is cheaper in Waipahu, HI: $3,234 a month against $4,941 in New York, NY, rent and utilities included – about $20,500 less a year. Rent and utilities account for most of the difference.

155

Cost of Living Index in Waipahu, HI
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Waipahu, HI Living Index
239

Cost of Living Index in New York, NY
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New York, NY Living Index

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Waipahu, HI

🇺🇸 United States

$3,234

/mo nomad

New York, NY

🇺🇸 United States

$4,941

/mo nomad

Monthly Cost of Living

How much you'll spend in Waipahu, HI and in New York, NY

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Waipahu, HI and in New York, NY actually costs, broken down by who's living it.

A single person spends $3,234 per month in Waipahu, HI vs $4,941 in New York, NY, rent included.

Waipahu, HI $3,234
New York, NY $4,941

A couple spends around $4,991 per month in Waipahu, HI vs $7,225 in New York, NY, rent included.

Waipahu, HI $4,991
New York, NY $7,225

A family of three spends $6,748 per month in Waipahu, HI vs $9,509 in New York, NY, rent included.

Waipahu, HI $6,748
New York, NY $9,509

Waipahu, HI is about 35% cheaper than New York, NY, and outside of rent the biggest gap is in transport.

Both Waipahu, HI and New York, NY sit above the global median – Waipahu, HI by 138%, New York, NY by 263%.

Meal at Budget Restaurant

$27.50 $27.50

$28.55 $28.55

-3.68%

Three-Course Dinner for Two, Mid-Range

$141 $141

$118 $118

19.05%

Fast Food Meal (McDonalds, etc)

$14.92 $14.92

$15.04 $15.04

-0.80%

Cappuccino

$10.38 $10.38

$6.53 $6.53

58.96%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$4.95 $4.95

$3.96 $3.96

25.00%

Water (0.33 liter bottle)

$3.49 $3.49

$3.01 $3.01

15.95%

Local Beer (0.5 liter draught)

$10.59 $10.59

$8.16 $8.16

29.78%

Imported Beer (0.33 liter bottle)

$11.61 $11.61

$9.84 $9.84

17.99%

Milk (1 liter)

$1.02 $1.02

$1.37 $1.37

-25.55%

White Bread (500g)

$3.59 $3.59

$4.97 $4.97

-27.77%

Rice (white) (1kg)

$9.96 $9.96

$7.81 $7.81

27.53%

Eggs

$7.47 $7.47

$5.97 $5.97

25.13%

Local Cheese (1kg)

$12.40 $12.40

$18.91 $18.91

-34.43%

Chicken Fillets (1kg)

$20.02 $20.02

$18.04 $18.04

10.98%

Beef Round Steak (1kg)

$21.86 $21.86

$19.05 $19.05

14.75%

Apples (1kg)

$8.11 $8.11

$6.76 $6.76

19.97%

Banana (1kg)

$1.59 $1.59

$2.27 $2.27

-29.96%

Oranges (1kg)

$7.12 $7.12

$6.83 $6.83

4.25%

Tomato (1kg)

$9.73 $9.73

$7.09 $7.09

37.24%

Potato (1kg)

$4.86 $4.86

$4.22 $4.22

15.17%

Onion (1kg)

$4.87 $4.87

$4.65 $4.65

4.73%

Lettuce (1 head)

$5.26 $5.26

$2.87 $2.87

83.28%

Water (1.5 liter bottle)

$3.16 $3.16

$2.60 $2.60

21.54%

Cigarettes 20 Pack (Marlboro, Camel)

$10.18 $10.18

$18.77 $18.77

-45.76%

Wine (Bottle)

$18.20 $18.20

$20.13 $20.13

-9.59%

Local Beer (0.5 liter bottle)

$2.68 $2.68

$3.45 $3.45

-22.32%

Imported Beer (0.33 liter bottle)

$5.61 $5.61

$4.02 $4.02

39.55%

One-way Ticket (Public Transport)

$2.05 $2.05

$2.91 $2.91

-29.55%

Public Transport Monthly Pass (Regular Price)

$60.5 $60.5

$139 $139

-56.45%

Taxi Start (Normal Tariff)

$3.44 $3.44

$3.08 $3.08

11.69%

Taxi (Normal Tariff) (1km)

$2.68 $2.68

$2.12 $2.12

26.42%

Taxi 1hour Waiting (Normal Tariff)

$44.50 $44.50

$41.96 $41.96

6.05%

Gasoline (1 liter)

$1.43 $1.43

$1.17 $1.17

22.22%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$35.6K $35.6K

$34.5K $34.5K

3.35%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$26.1K $26.1K

$25.9K $25.9K

0.98%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$257 $257

$219 $219

16.93%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$67.1 $67.1

$74.2 $74.2

-9.58%

Internet (50+ Mbps, Unlimited Data)

$65.6 $65.6

$70.2 $70.2

-6.59%

Gym Membership (Monthly)

$43.68 $43.68

$112 $112

-60.98%

Tennis Court (1 Hour on Weekend)

$74.9 $74.9

Cinema Ticket

$19.66 $19.66

$22.14 $22.14

-11.20%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$2,167 $2,167

$3,558 $3,558

-39.10%

International Primary School, 1 Child (Yearly)

$26.7K $26.7K

$62.2K $62.2K

-57.10%

Jeans (Levis 501 Or Similar)

$44.60 $44.60

$75.6 $75.6

-41.01%

Summer Dress (H&M, Zara, etc)

$40.71 $40.71

$51.2 $51.2

-20.49%

Sport Shoes (Adidas, Nike)

$86.5 $86.5

$123 $123

-29.78%

Men's Leather Business Shoes

$131 $131

$140 $140

-6.43%

1-bedroom Apartment, City Center (Monthly)

$1,614 $1,614

$4,499 $4,499

-64.13%

1-bedroom Apartment, Outside City Center (Monthly)

$1,451 $1,451

$3,078 $3,078

-52.87%

3-bedroom Apartment, City Center (Monthly)

$2,815 $2,815

$9,447 $9,447

-70.20%

3-bedroom Apartment, Outside City Center (Monthly)

$2,590 $2,590

$5,190 $5,190

-50.09%

Buy Apartment in City Center (m2)

$3,199 $3,199

$18.1K $18.1K

-82.33%

Buy Apartment Outside City Center (m2)

$2,502 $2,502

$6,693 $6,693

-62.62%

Average Monthly Net Salary (After Tax)

$5,220 $5,220

20-Year Fixed Mortgage Interest Rate (Annual %)

6.7

6.86

-2.33%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Waipahu, HI: October 25, 2026

Last update for New York, NY: October 26, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Waipahu, HI

$1.5K 44.9%

New York, NY

$3.1K 62.3% 112% $1.6K

Groceries & Markets

Waipahu, HI

$590 18.3%

New York, NY

$563 11.4% 4.6% $27

Eating Out

Waipahu, HI

$499 15.4%

New York, NY

$440 8.9% 11.8% $59

Monthly Utilities & Internet

Waipahu, HI

$389 12%

New York, NY

$364 7.4% 6.5% $25

Clothing & Footwear

Waipahu, HI

$136 4.2%

New York, NY

$175 3.6% 28.8% $39

Getting Around

Waipahu, HI

$86 2.6%

New York, NY

$164 3.3% 92.1% $79

Sport & Entertainment

Waipahu, HI

$83 2.6%

New York, NY

$156 3.2% 88.2% $73

Cost Breakdown

A central one-bedroom costs $1,614 in Waipahu, HI versus $4,499 in New York, NY. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $141 in Waipahu, HI versus $118 in New York, NY. Monthly groceries follow the same trend: $590 vs $563 – making New York, NY the more affordable choice for daily food spending.

Good to know

🇺🇸 Waipahu, HI

🇺🇸 New York, NY

🕒 Local time

00:09 12:09 AM

06:09 6:09 AM

6 h ahead of Waipahu, HI

🌤 Weather

👥 Population

71,894

8,804,190

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.899 EUR

Exchange rates and currency converter

On the map

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Between locations

Waipahu, HI New York, NY 7,980 km ≈ 10 h nonstop flight

From you

Waipahu, HI
New York, NY

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Waipahu, HI vs New York, NY: Cost of Living - Frequently Asked Questions

New York, NY costs about 53% more than Waipahu, HI, and outside of rent the gap comes mainly from transport. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $4,852 per month in Waipahu, HI and $7,412 in New York, NY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Waipahu, HI, especially for central apartments: a one-bedroom in the center costs $1,614 there versus $4,499 in New York, NY.

Kindergarten costs $2,167 per month in Waipahu, HI and $3,558 in New York, NY. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Interestingly, groceries are about 5% cheaper in New York, NY – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

$2,000 is a stretch for both – monthly costs hit $3,234 in Waipahu, HI and $4,941 in New York, NY. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Waipahu, HI – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.