Many dream of moving to Hawaii, but few do the math. The "Paradise Tax" is real—milk costs more, electricity costs more, and shipping fees are standard. However, property taxes are surprisingly low.

Before you pack your bags, use our Kona Cost Calculator to see if your budget aligns with the reality of island life.

1. The Housing Market: Mauka vs. Makai

Housing is your biggest expense, but it varies wildly by elevation.
Makai (Ocean Side): Higher prices, warmer weather, higher AC bills.
Mauka (Mountain Side): Lower prices, cooler air (natural AC), more rain.

2. The "Hidden" Taxes

The Good News: Hawaii has the lowest property tax rate in the nation (approx. 0.28% for owner-occupants). On a $1M home, you pay just ~$2,800/year.
The Bad News: The GET (General Excise Tax). It's a 4.712% tax on *everything*—services, rent, food, and medical care.

3. Healthcare Logistics

Access to specialists can be limited on the Big Island. Many residents fly to Honolulu (Oahu) for major procedures. You need to budget for "Inter-Island Travel" as a healthcare expense.