Updated: 9/18/2024
So, you want to know what living in Hawaii is really like? The good, the bad, the ugly, and everything in between?
You’ve come to the right place! Below, you’ll find an honest run-down of the pros and the cons of living in Hawai’i. You’ll get a resident’s perspective on the best parts and the worst parts about making your home in the Aloha State.
At the end of the day, we love Hawai’i. (We wouldn’t live here otherwise!) And we love welcoming new residents into the Royal Hawaiian Movers ohana. However, we’re also not blind to the fact that paradise comes at a cost. Our list of 21 pros and cons will give you the intel you need to make an informed decision about moving to Hawai’i.
Con: You May Never Own a Home in Hawai’i
Right now, the average home value in Hawaiʻi is $850,343. For many people, that number either means 1) owning a home is a no-go or 2) taking on a crushing mortgage.
Keep in mind that many of the properties listed at nearly a million dollars (and more!) can be outdated, unrenovated, and simply in need a lot of work. In other words, bargains are few and far between in Hawaiʻi, and that’s simply the reality right now.
Yes, the Big Island has some more affordable properties. It’s one of the more budget-friendly places to buy a home.
However, if a single-family home is your dream, it’s simply a tougher one to achieve in Hawaiʻi, as compared to many other U.S. states.
Are Houses More Expensive in Hawaiʻi?
When compared to other U.S. destinations, such as California, Florida, Washington, and Texas, Hawaiʻi takes the top spot in terms of average home values:
Average Home Values
California
$773,363
Florida
$394,728
Washington
$591,888
Texas
$301,627
(Source: Zillow.com)
Want to Learn More About the Hawaiʻi Real Estate Market?
Pro: It’s Easy to Embrace Condo Living in Hawaiʻi
A single-family home in Hawaiʻi may not be financially feasible for everyone. However, Hawaiʻi has a pretty big pool of condominiums. In fact, the Hawaiʻi Living blog estimates that 60% of Oʻahu residents live in condos, rather than single-family homes.
- Financially, condo living might be within reach, depending on your family structure. The median home price for a condo on Oʻahu in August 2024 was $499,000.
- Additionally, this low-maintenance lifestyle offers significant ease. It can also come with ocean views, something that you only find in the priciest single-family homes in Hawaiʻi.
A lot of people come to Hawaiʻi to live a lifestyle of less responsibility and more freedom. Homeownership may not fit within that vision, especially when you consider the work and upkeep a home requires.
Condo living may offer an easier way to enjoy Hawaiʻi life, especially for seniors. You’ll find plenty of options to choose from across Hawaiʻi, ranging from the more affordable to luxury options with all the amenities.
Pro: Lots of People Go Off the Grid in Hawai’i
If owning land is still on your bucket list—and you’re interested in building an off-the-grid house—you’ll be in excellent company in Hawai’i. Living on an island makes you more aware of just how limited resources can be, and many people in Hawai’i embrace sustainable living, to varying degrees. You’ll see plenty of roofs covered in solar panels. Some homeowners generate enough power to go off-grid. Others simply aim to reduce their pricey power bills or charge their electric vehicles, of which you’ll see plenty in Hawai’i.
Spotlight on Sustainability
If living in a place with a lighter carbon footprint is a priority for you, Hawaiʻi might be the perfect fit.
Off-grid living is particularly popular on the Big Island. Some areas simply don’t have any power and water infrastructure in place. Other areas get enough rain and sunshine that make it feasible to run a household without the use of public utilities. (Note that certain areas of Hawaii are good for setting up catchment systems, while others don’t get enough rainfall consistently. Do your research carefully!)
Building an off-grid home in Hawai’i gives you the freedom to pick a piece of land that’s as remote as you please. It’s a perk many embrace, and you’ll find plenty of people who share your thinking in Hawai’i, as well as plenty of ways to get supplies.
Con: But It’s a Significant Up-Front Investment
Remember that remote land we mentioned? The one that gets enough rain and sun to make off-grid life tempting? The one that’s a lot cheaper than a lot of the other listings?
There’s no real “catch”—except for the fact that you’re going to have to build all of your own infrastructure. And that’s going to mean a significant up-front investment to get water and power going on your land.
Sure, a catchment system can be relatively simple. However, if you want pressurized water in your home, you’ll still need things like a pump (along with electricity to power the pump), a pressurizer, and some way to sanitize the water for drinking.
Check out this YouTube video from the Big Island for a tour of what that system might look like:
A solar setup will require panels, an inverter, and possibly some kind of battery system. Read more about all the factors involved with going solar in Hawaii on the Consumer Affairs website.
In other words, even though off-grid living on a piece of remote land in Hawai’i sounds tempting, make sure you take into account all of the costs that make that life feasible for you. Many will tell you that the up-front investment is more than worth it.
Con: You May Never Feel Like You Truly “Belong” in Hawai’i
If you were born in California, you might refer to yourself as a “Californian.” However, when it comes to the word “Hawaiian,” it’s not that simple.
“Hawaiian” refers to those who can trace their ancestry to back to the Native Hawaiians who originally settled these islands—Kānaka Maoli. Being born in Hawaiʻi doesn’t make you Hawaiian. Instead, those who live in Hawaiʻi are referred to as “Hawaiʻi residents” or kamaʻāina, (literally “child of the land”).
Even kamaʻāina can be a complex term. Some believe you’re not truly kamaʻāina unless you were born in Hawaiʻi—or unless you’ve lived here for a long time. Newly-arrived residents may be considered malihini—strangers, foreigners. You may also hear the word haole, which usually refers to Caucasian people. (Often, it’s just a statement of fact, not an insult. It’s all about the tone and the context.)
Where are we going with all this vocabulary? All of these words are a reminder that ancestry, identity, and origin are all critically important concepts in Hawaiʻi. The islands have a complex history that continues to impact its people. European arrival brought a lot of suffering to the Native Hawaiian people. The population was reduced from an estimate of 683,000 in 1778 (the year Captain James Cook arrived) to a low of 24,000 in 1920. The Kingdom of Hawaiʻi was overthrown in 1893, and many generations of Native Hawaiians still feel the lasting effects.
(It’s impossible to reduce the history of the Hawaiian Islands to a few simple sentences. We encourage you to make your own deep-dive into Hawaiʻi’s history if you want to better understand the points of view you’ll encounter here in Hawaiʻi.)
All of this is to say that, even if you decide to call Hawaiʻi “home,” it’s important to respect the people whose home this was originally, many of whom feel like second-class citizens on the land originally settled by their ancestors.
It’s also important to realize that you may not ever truly “belong.” You may always feel like a visitor or a temporary resident. However, respecting the land, the culture, and the people who originally settled it will go a long way.
Respect the Culture: Dos and Don'ts in Hawaiʻi
Pro: You’ll Discover an Incredible Culture Here in Hawaii
Along with this complex history, you’ll still find a ton of aloha here in Hawaiʻi. In our opinion, the more you give, the more you’ll experience.
Aloha is an intricate, multi-faceted concept to explain, but it’s something you’ll certainly feel in Hawaiʻi. You might experience it when someone stops their car so you can cross the street. You might feel it in the friendly way you’re greeted at your favorite food truck. Or you might experience it when a neighbor goes out of their way to help you with a problem. Hawaiʻi is a place where a smile and a patient attitude will get you far, whether you’re in a store, in the DMV, or just walking down the street.
There’s a reason that there are so many stories about the Hawaiian goddess Pele that involve her asking for help from a stranger. Those who assist the goddess-in-disguise are rewarded, and those who spurn her are punished. These stories reveal a culture where showing care and love to your community is prized. You’ll see that spirit alive in Hawaiʻi today.
(By the way, we can’t encourage you enough to learn more about Native Hawaiian culture when you move to Hawaiʻi. Get your kids involved in hula. Read Hawaiʻi’s Story by Hawaiʻi’s Queen. Go see an authentic slack-key show. Tour ʻIolani Palace and hear the true story of the overthrow of the Hawaiian monarchy. Mai tais and grass skirts are easy to find in Hawaiʻi. True cultural opportunities are harder to uncover—but a little digging will bring rich rewards.)
In short, even though you may never feel as though Hawaiʻi is “yours,” you’ll still find opportunities to feel like a part of the community.
Pro: Enjoy Hawaiʻi’s Gorgeous Natural Landscapes All Year Round
In Hawaiʻi, you’re almost always a short drive away from a gorgeous beach—the kind that some people save their whole lives to visit. For you, a beach visit might be an average Tuesday—and it’s free!
The same is true of most of the hikes you’ll find in Hawaiʻi, as well as those gorgeous coastal views, rainforests, waterfalls, and mountains. As a Hawaiʻi resident, you’ll have easy access to the state’s incredible natural beauty and outdoor adventures, including some of the state’s most notable sights, such as:
- Oʻahu’s North Shore and its incredible hikes
- Waimea Canyon and the Nā Pali Coast on Kauaʻi
- Haleakalā National Park on Maui
- Mauna Kea and Volcanoes National Park on the Big Island
(Just to name a few!) And…
Pro: There’s Nowhere Better to Embrace Water Sports
Pick your poison. Surfing? You’ll find plenty of world-class breaks all around Hawai’i—and they’re much less crowded than those in California. Foiling? Check. Kiteboarding? Check. Same with paddleboarding, canoeing, windsurfing, scuba diving, snorkeling, spearfishing, boogie boarding, body surfing, etc., etc.
However you want to enjoy the ocean, it’s possible on just about every one of Hawai’i’s islands. There’s a reason so many pro athletes make their home here.
Hawai’i is a veritable watersports playground, one you’ll have easy access to every day of the week.
Con: The Cost of Living in Hawai’i Can Be Brutal
All that said, the cost of living in Hawaii is no joke. It will really hit home when you put five items on the belt at Foodland and the cashier tells you your bill is $40.
To offer a few specific numbers for consideration:
Hawaiʻi Cost-of-Living Figures
$211.15
Average monthly Hawaiʻi household electricity bill
$2,222
Typical monthly housing cost
(2 adults, 2 kids)
$1,537
Typical monthly transportation costs (2 adults, 2 kids)
$1,354
Typical monthly food costs (2 adults, 2 kids)
Yes, of course, there are hacks that help. A Costco card can save you a bundle—but you’ve got to stay on top of your bulk purchases before they go bad. Farmer’s markets can be cheaper—or not. You’ve got to pick your produce carefully. All in all, you’ll have to keep a close eye on your budget while living in Hawaiʻi. Want to Dive Deeper on the Cost of Living in Hawaiʻi?
Read more about:
- The cost of living on Oʻahu
- The cost of living on Maui
- The cost of living on Kauaʻi
- The cost of living on the Big Island: Kona | Hilo
Many families living in Hawaiʻi feel like they’re always doing a balancing act to keep ahead of the high cost of living. A lot of people work two jobs to break even.
Those who stay, though, have decided that paradise is worth the price.
Con: You’ll Be Living in the Middle of Nowhere
Hawai’i is an isolated archipelago that’s more than 2,500 miles from Los Angeles. If you want to go anywhere outside of Hawai’i, you’re looking at a long flight (5+ hours) and a pretty costly plane ticket. (Depending on when and where you’re headed, of course!)
Average Round-Trip Flight Costs from Hawaiʻi To…
Los Angeles
$325
Seattle
$390
New York
$498
Chicago
$461
If you’ve never lived in a small-town setting—or on an island before—you may start to feel claustrophobic. “Island fever” is real, and it’s not as simple to cure as when you’re living on the mainland.
However…
Pro: The Asia-Pacific Region Is Much More Open to You…
If you’ve ever wanted to explore Asia, Hawai’i is a great jumping-off point. You’ll find direct flights to Tokyo, Osaka, Shanghai, Manila, and more from Honolulu. You can also easily hop over to Incheon International Airport (ICN) in South Korea, a major hub for flights all over Asia.
Average Round-Trip Flight Costs from Hawaiʻi To…
Japan
$688
Korea
$948
Shanghai
$885
Manila
$931
Even though prices may be slightly higher than a hop to the mainland, the trip will be significantly easier, especially if you’re flying direct from Daniel K. Inouye Airport in Honolulu (HNL).
Plus, Sydney is a direct flight away, as are Fiji and Guam, so you’ll have plenty of areas in the Asia-Pacific region to explore when Hawaiʻi is your home base.
Pro: …And So Is the Rest of Hawai’i
When you live in Hawai’i, you’ll have plenty of time to explore all of the Hawaiian Islands at your leisure. There’s none of that “How many islands can we reasonably visit in 10 days on our once-in-a-lifetime trip to Hawai’i?” feeling.
No matter where you choose to settle, the other islands are just an interisland flight away. With Hawaiian Airlines, Mokulele Airlines, and Southwest Airlines all in the game, you can find interisland flights at relatively affordable rates. Hawaiian also runs occasional sales. One recent offer included $50 round-trip tickets between Maui and O’ahu. It doesn’t get much better than that!
Pro: Hawaiʻi’s Violent Crime Rate Is Lower Than the U.S. Average
Is Hawaiʻi safe? Parents with kids and solo travelers may be particularly interested in the answer to this question. (Although crime can impact anyone in Hawaiʻi!)
Here’s the good news: In Hawaiʻi, you’re statistically less likely to be the victim of a violent crime, as compared to the national average.
Violent Crimes
Rate per 100,000 People, per Year
259.6
State of Hawaii
380.7
U.S. Overall
Source: 2022 FBI Data
However…
Con: Property Crimes Do Happen in Hawaiʻi
When you look at the statistics for property crimes like arson, burglary, larceny-theft, and motor vehicle theft, Hawaiʻi’s average is higher than the national average.
Property Crimes
Rate per 100,000 People, per Year
2434.7
State of Hawaii
1954.4
U.S. Overall
Source: 2022 FBI Data
Protect Yourself from These Common Crimes
The same is true with leaving items on the beach unattended. Better to ask a friend to watch your belongings—or leave them at home.
A little prevention and situational awareness can go a long way toward preventing property crimes in Hawaiʻi.
Plus, there are plenty more upsides to living in the Aloha State, such as . . .
Pro: The Hawaiʻi Weather Is Incredible
If you’re someone who loves the freedom to be outside—and in the water—all year-round, Hawaiʻi is the perfect spot for you. Daytime temperatures hover in the 80s in most locations year-round.
Average Temperatures in Hawaiʻi
85°F
Average Summer Temperature
78°F
Average Winter Temperature
You will see a little more rain in the “winter” months. However, once you move to Hawaiʻi, you’ll largely be done with hiding indoors from seasonal weather.
Con: The Hawaiʻi Weather Can Be Extreme
All that said, Hawaiʻi is subject to some pretty extreme weather every now and then.
- On the Big Island, Kīlauea, one of the most active volcanoes in the world, has spewed VOG and hot lava across areas of the Big Island in recent years.
- Hurricane season always brings some uncertainty to Hawaiʻi. This area of the Pacific isn’t as active as, say, Hurricane Alley in the Atlantic. But big storms aren’t outside the realm of possibility. Hurricane Iniki wrought significant destruction on Kauai in 1992. While it’s been quite a while since Hawaiʻi’s last big hurricane, it’s always a possibility.
- Tsunamis, earthquakes, flash flooding, and wildfires are also possibilities in Hawaiʻi.
Additionally, many newcomers to Hawaiʻi don’t take into account the strength of the surrounding ocean. Because Hawaiʻi is so isolated, there’s nothing to blunt the power of incoming waves, wind, and swell. Rip tides and powerful shorebreak are common. In fact, ocean drowning is the fifth leading cause of injury-related death in Hawaiʻi for visitors and residents alike.
In other words, the natural environment Hawaiʻi will awe you—and keep you on your toes.
Pro: Hawaiʻi Is a Diverse Place to Live
If you long to live in a place with greater diversity, Hawaiʻi delivers. In fact, the state is home to the country’s . The website WalletHub also placed the state third in ethnic diversity, while ranking it the third-most diverse state overall.
Whether you’re looking for a place to fit into—or you want to raise your family in an ethnically diverse location—you’ll find a wealth of cultures, ethnicities, and races in Hawaiʻi.
Con: Some Groups Are Not as Represented
Despite the diversity stats above, some groups are less represented in Hawaiʻi. For example, Hawaiʻi’s Black community is significantly smaller than the U.S. average. Whereas 13.7%of the overall U.S. population identified as Black or African American alone in the U.S. Census, that same number is a mere 2.2% in Hawaiʻi. Additionally, while 19.5% of the U.S. population identifies as Hispanic and Latino, that number is only 10.1% in Hawaiʻi.
Percentage of the Population That Identifies as Black or African American Alone
13.7%
U.S. Population
2.2%
Hawai’i
Percentage of the Population That Identifies as Hispanic or Latino
19.5%
U.S. Population
2.2%
Hawai’i
In contrast, you’ll find a much higher percentage of the Hawaiʻi population that identifies as Asian alone, in contrast to the U.S. population as a whole.
Percentage of the Population That Identifies as Asian Alone
6.4%
U.S. Population
37.3%
Hawai’i
So while certain races and ethnicities enjoy greater representation in Hawaiʻi, it’s not true across the board.
Con: Some Areas Get Overrun with Tourists
Next, a little secret that not every Hawaiʻi resident will confess: During the pandemic, when the state all but shut down tourism, many of us really enjoyed our home state. We pulled up to popular spots and marveled at how easy it was to park. We strolled virtually empty beaches. We relished the light traffic. And maybe some of us secretly hoped it could always be like this.
However, tourism drives the economy of the state, a fact that you’ll become keenly aware of when you live in Hawaiʻi. Encountering crowds of tourists is practically inevitable. Sometimes, this gets frustrating for residents, especially when you’re just trying to get to work, and a rental car in front of you is hogging the road. Or when you want to go to your favorite hiking spot, and the parking is clogged by shiny rental Jeeps and Mustangs.
It’s a complicated question in Hawaiʻi. Many are considering how we can better balance welcoming visitors with protecting the land and natural resources for generations to come. Some of Hawaiʻi’s politicians and residents are working to diversify the state’s economy. For now, the prevalence of tourism is a fact of life in Hawaiʻi.
Is Hawaiʻi Congested?
If you can avoid traveling during peak hours, you’ll be more likely to avoid traffic delays in Hawaiʻi. Otherwise, you’ll just have to slow down and do your best to enjoy the ride.
Pro: It’s Easy to Find a Job
Now, there is a positive side to the fact that Hawaiʻi welcomes more than nine million visitors each month: There are a lot of jobs in Hawaiʻi supporting tourism. If you’re willing to work in hospitality, retail, or food and beverage, you can find a job in Hawaiʻi pretty quickly.
Con: However, It May Not Be the Job You Want
Even though jobs supporting tourism may be plentiful, they don’t always pay enough to support you in this high-cost-of-living state. MIT’s Living Wage Calculator estimates that an adult without kids needs to earn $27.33/hour in Hawaiʻi just to get by—and that doesn’t include money for eating out or entertainment.
You’ll see plenty of jobs below that rate, unfortunately.
Additionally, if you want to break into a professional field, that job market can be a bit tougher—especially if you don’t know people here in Hawaiʻi. Businesses operate on personal relationships. So if you don’t have an “in,” it can be challenging to secure that kind of employment on Hawaiʻi.
If you’re planning to look for a job in Hawaiʻi, this list of the state’s top industries could help focus your search:
Top Industries in Hawaii
- Real estate rentals and leasing – This sector contributes the largest share of GDP to the state
- Government
- Accommodation and food services
- Health care and social services
- Retail trade
- Agriculture and fishing
- Other popular industries include construction and education
Pro: Hawaiʻi’s Healthcare Access Is Excellent
U.S. News and World Report recently gave Hawaiʻi top ranking for health care access. Relatively few Hawaiʻi residents (4.8%) are without health insurance, as compared to the rest of the country (11.3%).
Much of this is thanks to the Hawaiʻi Prepaid Health Care Act, which requires employers to provide health care coverage for eligible employees. Employees who work at least 20 hours a week for a minimum of four consecutive weeks are considered eligible under the act.
Many mainland employers don’t offer coverage for part-time workers, so this could be good news for many people considering the move to Hawaiʻi.
Con: You May Have to Fly to Oʻahu for Healthcare
Even though U.S. News and World Report awarded Hawaiʻi the top ranking for health care access, the truth of the matter is this: If you’re not on Oʻahu, you may have to travel to receive the healthcare you need.
Residents of Maui, Kauaʻi, and the Big Island don’t have access to as many specialists, facilities, or types of specialized medical equipment as Oʻahu residents. Instead, neighbor island residents may be required to take an interisland flight to Oʻahu for specific types of treatment.
Insurance plans offer varying levels of travel reimbursement for covered conditions. Some insurance plans will pay for flights. Others will even pay for hotel stays. However, there are no two ways about it: If you’re undergoing long-term treatment, it takes a lot of energy to fly to Oʻahu every time you need to see your doctor, undergo testing, etc.
If you have a major medical condition, make sure to research the options on your island before you make the move to Hawaiʻi.
Pro: Hawaiʻi Is an Easy Place for an American to Live in “Paradise”
But here’s the good news: Hawaiʻi is a U.S. state, which makes it a pretty easy-breezy place for a U.S. citizen or permanent resident to live. The roads are pretty darn good, and many resemble the major roads you’ll see on the mainland. Plus, we’ve got all the familiar big box stores you’ll recognize: Walmart, Target, Costco, Safeway, etc. With Amazon Prime, you can ship most everything here (with some exceptions, like lithium batteries).
Additionally, unlike foreign destinations, you don’t have to worry about currency exchanges, foreign banking, work visas, etc. At the most, you may have to change over your driver’s license, but even that’s a pretty simple procedure. (The county DMVs are no worse than the ones on the mainland!)
Con: Hawaiʻi May Not Feel Far-Flung Enough for Everyone
Compared to a mainland destination like California or Florida, Hawaiʻi can feel like an adventure—a destination where you’re surrounded by incredible beauty and a rich, diverse culture.
However, if you’re looking for a real immersive adventure that will turn your world upside down—the kind that comes from living around people who speak a different language, who live an entirely different lifestyle than what you’re used to—Hawaiʻi may not be the place for you.
Yes, you’ll find people of many different cultural backgrounds and experiences here. And you can find pockets where things operate quite differently than they do on the mainland. But those yearning for an immersive, live-abroad experience may not find Hawaiʻi far-flung enough.
To Sum It All Up, Here Are Our (Honest) Pros and Cons of Living in Hawaiʻi
Con: You May Never Own a Home
Pro: It’s Easy to Embrace Condo Living
Pro: Lots of People Go Off the Grid
Con: But It’s a Significant Up-Front Investment
Con: You May Never Feel Like You Truly “Belong”
Pro: You’ll Discover an Incredible Culture Here in Hawaiʻi
Pro: Some of the Best Things in Hawaiʻi Are Free
Pro: There’s Nowhere Better to Embrace Water Sports
Con: The Cost of Living Can Be Brutal
Con: You Live in the Middle of Nowhere
Pro: The Asia-Pacific Region Is Much More Open to You…
Pro: …And So Is the Rest of Hawaiʻi
Pro: Hawaiʻi’s Violent Crime Rate Is Lower Than the U.S. Average
Con: Property Crimes Do Happen in Hawaiʻi
Pro: The Weather Is Incredible
Con: The Weather Can Be Extreme
Pro: Hawaiʻi Is a Diverse Place to Live
Con: Some Groups Are Not as Represented
Con: Some Areas Get Overrun with Tourists
Pro: It’s Easy to Find a Job
Con: However, It May Not Be the Job You Want
Pro: Hawaiʻi’s Healthcare Access Is Excellent
Con: You May Have to Fly to Oʻahu for Healthcare
Pro: Hawaiʻi Is an Easy Place for an American to Live in “Paradise”
Con: Hawaiʻi May Not Feel Far-Flung Enough for Everyone
At the End of the Day…
Hawaiʻi is what you make of it. We know plenty of people who have moved out and stayed for a lifetime—and plenty of people who moved to Hawaiʻi and soon headed back to the mainland.
We love it here, and, if it’s the right fit for you, you’ll love it, too.
Want to know more about Hawaiʻi life? Or want to talk about the logistics of moving your belongings to Hawaiʻi? Reach out to our team. We’d be happy to talk more about the real Hawaiʻi—and get you a complimentary quote for your move.
talk more about the real Hawaiʻi—and get you a complimentary quote for your move.
