Is Austin, TX cheaper than Waipahu, HI?

Based on cost of living data, Austin, TX is 44.1% cheaper than Waipahu, HI. This translates to saving $3307 per month.

What salary do I need in Austin, TX to live like I do in Waipahu, HI?

If you earn $150,000 in Waipahu, HI, you'd need approximately $110,312.57 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Waipahu, HI and Austin, TX?

Housing in Austin, TX is 56.6% cheaper than in Waipahu, HI. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $2,353/month in Waipahu, HI.

How much can I save per month by moving from Waipahu, HI to Austin, TX?

Moving from Waipahu, HI to Austin, TX could save you approximately $3307 per month, or $39687 per year, based on a $150,000 salary.

Waipahu, HI vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Waipahu, HI — COL adjusted from Honolulu, HI area + state data

Current salary in Waipahu, HI

Numbers update automatically as you type

You'd save $3.3K/month moving to Austin, TX

$150.0K in your current city equals $110.3K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 44.1%

Less expensive

Monthly Impact

$3,307

Savings

Annual Impact

$39.7K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Waipahu, HI

Population:43K

Cost Index:100

Median Home:$657K

Austin, TX

Population:979K

Cost Index:56

Median Home:$558K

Waipahu, HI

The Aloha State

43K

Population

State Tax

Yes

Located in Hawaii, this city has a population of 43K residents.

Austin, TX

The Lone Star State

979K

Population

State Tax

No Income Tax

Climate

Humid subtropical

Notable Facts

•Live music capital
•Major tech hub
•SXSW festival city

Major Industries

TechnologyMusic IndustryEducationGovernment

Cost Breakdown by Category

Annual spending: Waipahu, HI vs Austin, TX

Category	Waipahu, HI	Austin, TX	Difference	Change
🏠Housing	$6,654/mo	$2,885/mo	↓ $3,769less	56.6%
🛒Groceries	$1,630/mo	$959/mo	↓ $671less	41.2%
🚗Transportation	$1,747/mo	$1,284/mo	↓ $463less	26.5%
⚡All Utilities	$902/mo	$541/mo	↓ $361less	40.0%
📦Other	$1,854/mo	$1,741/mo	↓ $113less	6.1%
🏥Healthcare	$690/mo	$589/mo	↓ $102less	14.7%

🏠Housing

↓ 56.6%

Waipahu, HI

$6,654

Austin, TX

$2,885

Difference

$3,769

less

🛒Groceries

↓ 41.2%

Waipahu, HI

$1,630

Austin, TX

$959

Difference

$671

less

🚗Transportation

↓ 26.5%

Waipahu, HI

$1,747

Austin, TX

$1,284

Difference

$463

less

⚡All Utilities

↓ 40.0%

Waipahu, HI

$902

Austin, TX

$541

Difference

$361

less

📦Other

↓ 6.1%

Waipahu, HI

$1,854

Austin, TX

$1,741

Difference

$113

less

🏥Healthcare

↓ 14.7%

Waipahu, HI

$690

Austin, TX

$589

Difference

$102

less

🏠Rent Comparison

Studio

From$1,501

To$1,585

↑ $84.00

1 Bed

From$1,785

To$1,685

↓ $100

2 Bed

From$2,353

To$1,995

↓ $358

3 Bed

From$3,408

To$2,525

↓ $883

Austin, TXZIP-level data

1BR range: $1,490–$2,350/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$13,478

Monthly in Waipahu, HI

$7,998

Monthly in Austin, TX

$5,479

Difference

Home Values

Waipahu

Austin

Median Value

$558K

YoY Change

↓ -5%

5-Year Change

↑ +12.6%

Price Range

$272K - $1.26M

Calculate payment - Austin

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $11.6K

Per year

Monthly Difference

$969

More take-home

Effective Rate Diff

7.8%

Rate difference

Waipahu, HI

Federal Income Tax

Effective: 18.9%

$25.5K

Hawaii State Tax

Effective: 7.8%

$11.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 32.4%

$48.6K

Take-Home Pay

$8,446/month

$101.4K

Austin, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Waipahu, HI Tax Rates

Sales Tax:4.5%

Property Tax:0.3%

Austin, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.