Fern Acres, HI vs Waimanalo Beach, HI

The cost of living difference between Fern Acres, HI and Waimanalo Beach, HI is dramatic. Fern Acres is 31.2% cheaper than Waimanalo Beach, a gap that translates to thousands of dollars per year in household expenses. Fern Acres has a cost index of 94 while Waimanalo Beach sits at 136, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Fern Acres is $1,099/month compared to $1,000/month in Waimanalo Beach — a 10% difference. Interestingly, home values tell a different story: while Waimanalo Beach has cheaper rent, Fern Acres actually has lower median home values ($267,400 vs $816,500).

Median household income in Fern Acres is $49,554 compared to $120,769 in Waimanalo Beach (-59%). While Waimanalo Beach is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Fern Acres spend roughly 26.6% of their income on rent, more than the 9.9% in Waimanalo Beach.