Best Cities for Retirees in Hawaii
Hawaii for Retirees: The Full Picture
Hawaii sits at #30 out of 50 for retirees β solidly in the middle tier. The state offers above-average healthcare infrastructure alongside living costs that track near or above the national average (cost-of-living index: 109). It's a state where retirement can work well with proper planning, though it lacks the standout advantages of top-tier retirement destinations.
For retirees, healthcare access and tax friendliness are non-negotiable. Hawaii's health score of 84/100 reflects strong medical infrastructure β life expectancy here is 82.3 years, above the national average. On the tax front, the overall burden stands at 13.92% of income. The 11% income tax rate is worth factoring into retirement income projections. Property taxes run 0.27% (effective rate), which is among the lowest in the nation.
At $743,000, median home prices are above the national average β retirees relocating from lower-cost areas may face sticker shock. The state's safety profile is reassuring, with a safety score of 70/100. Livability amenities are more limited compared to top-ranked states, so retirees who value a vibrant social scene should focus their search on the state's larger metro areas.
All 20 Cities Ranked for Retirees
| # | City | Grade | Retirees Score | Overall | Health | Fiscal Health | Affordability | Population |
|---|---|---|---|---|---|---|---|---|
| 1 | East Honolulu | A+ | 63.7 | 65.5 | 83 | 98 | 15 | 50,961 |
| 2 | Kailua CDP (Honolulu County) | A | 62.4 | 60.8 | 84 | 97 | 15 | 39,762 |
| 3 | Mililani Mauka | B+ | 61.9 | 59.9 | 80 | 95 | 20 | 21,967 |
| 4 | Ocean Pointe | B+ | 60.2 | 58.5 | 77 | 97 | 15 | 16,276 |
| 5 | Mililani Town | B+ | 60.0 | 58.8 | 75 | 88 | 21 | 27,495 |
| 6 | Ewa Gentry | B+ | 59.9 | 57.9 | 74 | 92 | 23 | 26,738 |
| 7 | Ewa Beach | B+ | 58.7 | 57.2 | 72 | 87 | 24 | 15,388 |
| 8 | Pearl City | B+ | 58.1 | 57.8 | 75 | 79 | 21 | 45,079 |
| 9 | Wailuku | B+ | 58.0 | 59.3 | 71 | 71 | 33 | 15,754 |
| 10 | Kapolei | B+ | 56.7 | 57.0 | 65 | 82 | 24 | 23,033 |
| 11 | Kahului | B+ | 56.6 | 58.8 | 72 | 63 | 34 | 27,068 |
| 12 | Kailua CDP (Hawaii County) | B | 56.5 | 56.0 | 84 | 53 | 32 | 21,851 |
| 13 | Makakilo | B | 56.4 | 56.0 | 67 | 80 | 23 | 20,372 |
| 14 | Kaneohe | B+ | 56.3 | 57.5 | 68 | 78 | 20 | 35,945 |
| 15 | Schofield Barracks | B | 56.0 | 55.4 | 68 | 62 | 35 | 16,755 |
| 16 | Honolulu | B+ | 54.5 | 57.4 | 70 | 55 | 30 | 341,753 |
| 17 | Waipahu | B | 54.4 | 55.0 | 70 | 62 | 28 | 39,871 |
| 18 | Hilo | B | 53.3 | 54.0 | 67 | 49 | 42 | 48,223 |
| 19 | Kihei | B | 52.9 | 54.0 | 67 | 61 | 23 | 22,564 |
| 20 | Wahiawa | C+ | 49.2 | 51.8 | 58 | 46 | 33 | 17,515 |