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It does get more rain than other areas, which can be considered a trade-off. Still, if the humidity and varying weather aren’t deal breakers for you, then Hilo could be an affordable place to settle down in paradise.
Waimae (Kamuela)
If humidity isn’t your thing, Waimae is higher in elevation and cooler than other cities in the area. You’ll still have easy access to the beach by car, so you won’t feel like you’re missing out.
O’ahu is one of the most gorgeous places in the entire world. From Waikiki Beach to Pearl Harbor to the stunning North Shore, O’ahu is truly like no other place in the world. If you’re the type of person who loves being outdoors, the North Shore is for you. Activities like hiking, swimming, kayaking, fishing, surfing, scuba diving, and so much more are available.
Affordability
It’s worth noting that if you want to retire in Hawaii, you’ll need to have a decent amount of monthly income. The cost of living on the islands is the highest in the U.S. In addition, food and gas prices can give anyone from less expensive states sticker shock when they first arrive.
$6-$8 gallon of milk$300 a month electricity bill for a small house with AC$4.80–$5.40 gallon of gas (April 2026)$14-$17 movie ticket$2500-$3800 a month rent on a two-bedroom in O’ahu$1,800-$2,800 a month rent on a two-bedroom on the Big Island$500k+ for a condo on O’ahu or a house on the Big Island
Related: How I Pack for a 7-Day Hawaii Vacation with a Single Carry-on
Disclaimer: This article is for informational purposes only and does not constitute financial advice.
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