Hawaii vs New Jersey Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$40,783
in Hawaii
$65,048
in New Jersey
Each cell = 1% of purchasing power. Green = value, red = gap.
Spending breakdown
Estimated annual spending on a $75,000 salary
What things actually cost
Real dollar costs side by side
Category breakdown
| Category | Hawaii | New Jersey | Difference |
|---|---|---|---|
| Housing | 299.0 | 141.9 | +111% |
| Groceries | 131.4 | 103.5 | +27% |
| Utilities | 194.1 | 102.2 | +90% |
| Transportation | 141.5 | 102.1 | +39% |
| Healthcare | 127.8 | 110.8 | +15% |
| Dining & Misc | 122.5 | 104.5 | +17% |
| Overall | 183.9 | 115.3 | +59% |
Index values relative to national average (100). Positive difference = more expensive in Hawaii.
What things actually cost
| Item | Hawaii | New Jersey | Difference |
|---|---|---|---|
| Median home price | $978,000 | $500,000 | +$478,000 |
| Average 2BR rent | $4,186/mo | $1,987/mo | +$2,199 |
| Gas price | $4.59/gal | $3.44/gal | +$1.15 |
| Electric bill | $337/mo | $144/mo | +$192 |
| Infant childcare | $21,167/yr | $18,155/yr | +$3,012 |
Salary equivalent: Hawaii → New Jersey
What a Hawaii salary buys you in New Jersey, adjusted for cost of living.
| Salary in Hawaii | Equivalent in New Jersey | Difference |
|---|---|---|
| $50,000 | $31,349 | +$18,651 |
| $75,000 | $47,023 | +$27,977 |
| $100,000 | $62,697 | +$37,303 |
| $150,000 | $94,046 | +$55,954 |
| $200,000 | $125,394 | +$74,606 |
Positive = your money goes further in New Jersey. Based on overall COL index ratio.
Based on MERIC/C2ER 2025 composite indices. Dollar amounts from AAA, EIA, Zillow, and Child Care Aware.
Overview
Hawaii is 59% more expensive than New Jersey overall. Hawaii has an index of 183.9 vs 115.3 for New Jersey (national average = 100).
FAQ
Is it cheaper to live in Hawaii or New Jersey?
New Jersey is cheaper to live in. Hawaii is 59% more expensive overall. The biggest driver is housing — median home prices are $978,000 in Hawaii vs $500,000 in New Jersey.
Is New Jersey cheaper than Hawaii?
Yes, New Jersey is 59% cheaper than Hawaii overall based on the MERIC/C2ER cost-of-living index. Housing, groceries, and utilities all factor into the difference.
Is Hawaii more expensive than New Jersey?
Yes, Hawaii is 59% more expensive than New Jersey based on the MERIC/C2ER composite index. Housing is typically the largest factor in the difference.
What salary in New Jersey equals $100,000 in Hawaii?
To maintain the same purchasing power as a $100,000 salary in Hawaii, you would need approximately $62,697 in New Jersey. This is based on the overall cost-of-living index (183.9 vs 115.3).
How do housing costs compare between Hawaii and New Jersey?
Housing is significantly cheaper in New Jersey. Median home prices are $978,000 in Hawaii vs $500,000 in New Jersey — a $478,000 difference. Average 2-bedroom rent is $4,186/mo vs $1,987/mo.
What costs more in Hawaii vs New Jersey?
Housing is 111% higher in Hawaii (index 299 vs 141.9). Utilities is 90% higher in Hawaii (index 194.1 vs 102.2). Transportation is 39% higher in Hawaii (index 141.5 vs 102.1).
Is gas cheaper in Hawaii or New Jersey?
Gas averages $4.59/gallon in Hawaii and $3.44/gallon in New Jersey — a $1.15 difference per gallon.
Hawaii vs New Jersey cost of living — how do they compare?
Hawaii has an overall cost-of-living index of 183.9 and New Jersey has 115.3 (national average = 100). Hawaii is 59% more expensive overall. Use the calculator above to see how this affects your specific salary.
How do taxes compare between Hawaii and New Jersey?
Cost of living is only part of the picture — state income taxes also affect your take-home pay. Hawaii has 12 income tax brackets with a top rate of 11.00% on income over $200,000. New Jersey has a progressive income tax with 7 brackets, topping out at 10.75% on income over $1 million. Use the Hawaii vs New Jersey paycheck comparison to see how a specific salary compares after federal and state taxes, FICA, and deductions.
Do I need to file state tax returns in Hawaii and New Jersey?
Hawaii requires residents to file a state income tax return annually, typically due April 15. New Jersey requires residents to file a state income tax return annually, typically due April 15. If you move between states mid-year, you typically file a part-year resident return in each state for the income earned while living there.
Where does this cost of living data come from?
Cost-of-living indices are from the MERIC/C2ER 2025 Annual Average. Dollar amounts use AAA gas prices (March 2025), EIA electricity rates (2024), Child Care Aware childcare costs (2024), Zillow home values (2024-2025), and BEA Regional Price Parities.
Related tools
- Hawaii Cost of Living — Housing, groceries, gas, and more
- New Jersey Cost of Living — Housing, groceries, gas, and more
- Hawaii vs New Jersey Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in Hawaii — How much house can you afford?
- House Affordability in New Jersey — How much house can you afford?
- Hawaii Tax Brackets — See 2026 marginal rates
- New Jersey Tax Brackets — See 2026 marginal rates
- Hawaii Mortgage Calculator — Estimate monthly payments with local rates
- New Jersey Mortgage Calculator — Estimate monthly payments with local rates
- Hawaii Bonus Tax Calculator — See how bonuses are taxed differently
- New Jersey Bonus Tax Calculator — See how bonuses are taxed differently
- Gross-Up Calculator — Find the salary you need to hit a target take-home
- Salary to Hourly Converter — Convert annual salary to hourly rate
- Compare any two states
Based on MERIC/C2ER 2025 composite indices and publicly available price data. Cost of living varies significantly by metro area within a state. These are statewide averages.