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Why you should retire in Hawaii?

Retirees who move to Hawaii also benefit from the Aloha State's lower health care costs, state-of-the-art medical system, and retiree-friendly tax laws. Social Security income and public pension withdrawals are not taxed for Hawaiian residents, leaving more money in your pocket.



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Retirees who move to Hawaii also benefit from the Aloha State's lower health care costs, state-of-the-art medical system, and retiree-friendly tax laws. Social Security income and public pension withdrawals are not taxed for Hawaiian residents, leaving more money in your pocket.

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You'll need six figures per year to retire comfortably in Hawaii. Hawaii has the highest annual retirement expenses in the country, costing retirees an estimated $121,228 annually. It's also the only state or district where retirees need to spend six figures.

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One of the greatest challenges of living in Hawaii is the high cost of living. The islands are popular tourist destinations, which drives up the cost of housing, food, and other essential goods and services.

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The Cost of Living is High The cost of living in Hawaii is high. That goes for housing costs, but it also applies to the food on grocery store shelves. Everything that has to be shipped or flown to the islands will cost more. Hawaii is also a high-tax state.

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Hawaii has a high cost of living. Pro: The mild climate makes Hawaii a year-round destination. Con: It can feel isolating living on an island if you don't embrace it. Pro: Moving to Hawaii is an adventure, and you'll be the envy of everyone you know if you take the dive and do it.

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“Generally, experts suggest that a comfortable living in Hawaii would require an annual income of at least $80,000 to $100,000 for a single person and around $125,000 to $150,000 for a family.”

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21 Honest Pros and Cons of Living in Hawaii—from a Resident
  • 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 Hawaii.


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The warm water, the plentiful reefs, fish, turtles, whales, and barracuda make the beautiful Hawaii islands a great place to spend a lot of time in the water.

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Overall, Hawai'i's Quality of Life (QOL) is in good standing compared to the nation and has improved over time. Over 66 percent of Hawai'i's QOL indicators performed better compared to the nation. Hawai'i improved over time in about 68 percent of the QOL indicators.

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There is warm weather year-round The warm weather in Hawaii is one of the most appealing aspects of living on the islands. With average temperatures from the mid-70s to mid-80s degrees Fahrenheit, you can enjoy a tropical climate all year round.

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Hawaii is the most expensive state in the U.S. while California ranks third. When you compare the cost of living in Hawaii and that of California, you will likely find that Hawaii's cost of living is considerably higher. The cost of living index in Hawaii is 196.3 while that in California is 138.5.

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While Hawaii is more expensive than 95% of the USA, it is cheaper than NYC, and especially the San Francisco Bay Area. The west bay including Silicon Valley, is more expensive across-the-board.

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The top 1% income in Hawaii is around $400,000 or more per year.

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Many, like the Purdys, have headed to Las Vegas. According to 2021 population estimates from the U.S. Census Bureau, the biggest growth of Native Hawaiian and other Pacific Islander populations was in Clark County, Nevada, which includes Las Vegas, and Sacramento County, California.

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