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Being able to call Hawaii home is a dream come true for many people. But, just like anywhere else, Hawaii has its affordable cities to live in, as well as cities that are safer than others.
Martin Boonzaayer of The Trusted Home Buyer called the housing market of Hawaii “unique” and went on to say, “While it’s undeniably expensive, there are gems to be found, offering a balance between safety and affordability.”
Boonzaayer noted that the state’s high cost of living is driven by factors such as limited land, import dependency and the reliance on tourism to support the local economy.
“With limited developable land, housing prices naturally tend to be higher,” he said. “Most goods need to be shipped in, inflating the cost of everyday necessities. Tourist dollars drive up the cost of living for residents.
“While crime rates in Hawaii are generally lower than the national average, it’s always wise to research specific neighborhoods. Resources like AreaVibes and local police department websites can provide valuable crime data.”
All that being said, there are a few places that definitely are less dangerous and less expensive. Here are the eight safest and cheapest cities to live in Hawaii with their corresponding island.
The Big Island
Hilo
Often topping “affordable Hawaii” lists, Hilo offers a vibrant downtown with a lower cost of living compared to other islands, according to Boonzaayer.
“The median home price sits around $430,000, significantly lower than the state average. Hilo’s charm lies in its unique black sand beaches, proximity to Volcanoes National Park, and a strong sense of community,” Boonzaayer continued.
“Despite its size, Hilo maintains a sense of safety while providing affordable housing options,” added Mehdi Khachani, the CEO of JMK Property Management. “Its lower cost of living compared to other Hawaiian cities makes it an appealing choice for those seeking affordability without compromising security.”
Boonzaayer cautioned, “Keep in mind, Hilo receives a lot of rainfall, so be prepared for a wetter climate.”
Pāhoa
Boonzaayer described Pāhoa, situated on the eastern side of the Big Island, as “a rural town known for its relaxed atmosphere and proximity to volcanic activity.”
Even with the infrequent volcanic activity, “Residents here have a strong sense of community that makes them feel safe and supported,” according to Jordan Woolf, CEO of the real estate investment company We Buy Houses In Bama. “It’s a place where people come together in times of need, knowing that their neighbors have their backs.”
Boonzaayer explained, “Housing options are typically more affordable than Hilo, with a median price closer to $300,000. However, Pāhoa is a remote location with limited amenities and job opportunities.”
Maui
Wailuku
Maui’s main commercial center, Wailuku, offers a more suburban feel with a lower cost of living compared to resort areas, in Boonzaayer’s opinion.
“The median home price falls around $580,000, making it a more attainable option on Maui,” Boonzaayer said. “Wailuku boasts a historic downtown, a growing arts scene and easy access to other parts of the island.”
Hāna
“Nestled on the remote eastern coast of Maui, Hāna is known for its stunning natural beauty and laid-back lifestyle,” Boonzaayer said. “The median home price might be lower than resort areas, but everyday necessities can be more expensive due to the town’s isolation.”
Boonzaayer said the town is “undeniably charming” and relatively affordable, depending on your budget and lifestyle.
Kauai
Līhuʻe
“Kauai’s main town, Līhuʻe, offers a mix of urban amenities and easy access to the island’s natural wonders,” noted Boonzaayer
“On the island of Kauai, Līhuʻeis the most populous town and the business center for the island, but it also leaves a feeling of safety and security,” said Matt Vukovich of Matt Buys Indiana Houses.
Līhuʻe currently has the cheapest median home price on Kauai, between $630,000 and $650,000.
Vukovich also said the town has “strong community policing efforts, and crime is very low here.”
Boonzaayer added, “Līhuʻe boasts a growing job market, making it an attractive option for those seeking a balance between affordability and opportunity.”
Oahu
Kaneohe
“Located on Oahu’s windward coast, Kaneohe offers a suburban lifestyle with a mix of housing options, including single-family homes and condos,” Boonzaayer said.
Boonzaayer said the median home price is around $627,500, “which might be manageable with a higher household income. Kaneohe boasts beautiful beaches and proximity to Marine Corps Base Hawaii.”
Kahuku
“Situated on the North Shore of Oahu, Kahuku is a rural town known for its big waves and laid-back atmosphere,” Boonzaayer said.
“Housing options are typically more affordable than Honolulu, but job opportunities are limited,” he said. “Be prepared for a strong local character and a remote location.”
Honolulu
Eleanor Campbell, a senior Realtor working with contractorbond.org, suggested Honolulu “due to the low crime rate, which makes it an ideal place for families or individuals looking for a secure community.”
“It offers various housing options at reasonable prices, including apartments and single-family homes,” Campbell said.
The median home value in Honolulu is $801,933, which “shows its affordability compared to other cities in Hawaii like Kailua.”
“The cost of living index on Numbeo is 90.8%, which indicates a lower cost of living than the national average,” Campbell explained, noting other attractive features such as a “diverse job market, with opportunities in tourism, military and government sectors.”
Boonzaayer concluded, “These cities offer a combination of safety, affordability and quality of life that make them attractive options for individuals and families looking to settle down in the Island State. However, it’s important to note that affordability can vary depending on individual circ*mstances and market conditions.”
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