CostIndexUSA

Kahului, HI vs Pensacola, FL Cost of Living

Data: BEA Regional Price Parities · Census ACS · 2024

HI
Kahului
109.4
overall index
$3,525/mo rent
More AffordableFL
Pensacola
97.7
overall index
$1,700/mo rent

Pensacola is moderately cheaper than Kahului — 10.7% lower overall cost of living.

To match an $80,000 salary in Kahului, you would need $71,400 in Pensacola. Calculate your salary ↓

Category Breakdown

Index values: 100 = U.S. national average. Higher = more expensive.

🏠 Housing17.1%
Kahului
119.2
Pensacola
98.8
🛒 Groceries13.8%
Kahului
111.6
Pensacola
96.2
🚗 Transportation3.9%
Kahului
108
Pensacola
103.8
🏥 Healthcare4.0%
Kahului
97.8
Pensacola
93.9
Utilities53.6%
Kahului
190.6
Pensacola
88.5

Salary Equivalency Calculator

Enter your current salary in Kahului to see what you'd need to earn in Pensacola to maintain the same purchasing power.

$
Equivalent salary in Pensacola, FL
$71,400
$8,600 less needed in Pensacola

Formula: salary × (97.7 ÷ 109.4) = salary × 0.8931. Based on BEA Regional Price Parities.

Housing Market

Kahului, HI

Median Home Price
$989,000
Median Monthly Rent
$3,525
Housing Index
119.2
Price-to-Rent Ratio
23.4×

Pensacola, FL

Median Home Price
$300,000
Median Monthly Rent
$1,700
Housing Index
98.8
Price-to-Rent Ratio
14.7×

Kahului has 17.1% lower housing costs compared to Pensacola.

Income & Job Market

Kahului, HI

Median Household Income
$83,700
Per Capita Income
$47,700
Unemployment Rate
3%
Population
26,337
Top Industries
TourismHealthcareRetailAgricultureGovernment

Pensacola, FL

Median Household Income
$78,300
Per Capita Income
$44,600
Unemployment Rate
4.5%
Population
53,831
Top Industries
MilitaryHealthcareTourismManufacturingRetail

Affordability at a Glance

Income-to-rent ratio: higher is better (more income relative to housing costs).

Kahului, HI
2.0×income-to-rent ratio

49% of income left after rent (median)

Pensacola, FL
3.8×income-to-rent ratio

74% of income left after rent (median)

Data Sources: Bureau of Economic Analysis (BEA) Regional Price Parities 2024; U.S. Census Bureau American Community Survey (ACS); Bureau of Labor Statistics (BLS) Local Area Unemployment Statistics; Zillow Research.

Cost indices use 100 as the U.S. national average. Values above 100 indicate costs above the national average. Data is updated annually.

This data is for informational purposes only and should not be used as the sole basis for relocation or financial decisions.