How To Live In Hawaii With A Low Budget

Since 2020, the number of people moving to Hawaii from the mainland has peaked at 148%! Who can blame them? With sun-kissed beaches, sapphire waves crashing against the clear, bright sand, and a unique local culture, there’s much to love in Hawaii.

Moreover, a recent statistical report from Statista detailed that for every Hawaiian-origin person on the island, there are at least 5 American tourists. Naturally, many decide to settle here permanently. Who wouldn’t? However, if you want to relocate to Hawaii without money or a job, please reconsider.

That is not to say there won’t be a better time. Even with limited funds (and lots of preparation), you can eventually create a fulfilling life in this paradise on Earth. Let’s see how you can say Aloha to a whole new life in Hawaii without breaking the bank!

How To Live In Hawaii With A Low Budget?

No money, no Hawaii—let’s get this straight first! But if you’re running low on cash, don’t lose hope. With budgeting and a couple of smart moves, you can start a new life in Hawaii:

Network and Volunteer

Start by making a strong network of connections in Hawaii. Consider volunteering your time and skills with community initiatives. While Hawaii’s 3% unemployment rate is better than the mainland’s 3.80%, the island paradise does have fewer job opportunities overall. Building connections will help you big time in the long run! Speaking of fewer job opportunities, that’s the top reason why many are moving from Hawaii to the mainland.

Embrace a Sustainable Lifestyle

Sustainability protects the environment and can help you save money in the long run. Try growing your fruits and vegetables, using renewable energy sources, and reducing your overall consumption of goods. You’ll need an upfront investment (and a place to live) for it, but once the wheel starts rolling, you’ll save a fortune!

Explore Alternative Housing Options

Rent in Hawaii can be exorbitantly high. If you’re on a tight budget, you can rule out renting a studio in Oahu for $1,000-$1,600 per month (not counting utilities). Instead, look into house-sitting opportunities or shared housing arrangements. Search for cheap rental apartments on Google; you can probably find something for $400-$500 per month.

Take Advantage of Free Activities

So, you’re looking for a job and burning through your meager savings while living with a cousin or sibling. But even YOU want some recreation, right? But you can’t afford it. You can spend your days exploring pristine beaches, hiking scenic trails, or simply soaking in the breathtaking views—it's refreshing and, more importantly, free.

Invest in Skill-building and Education

While you may not have a job lined up upon arrival, investing in skill-building and education can increase your employability. Explore online courses, workshops, and community college classes to expand your skill set. Remember, the job market is far more competitive than in the mainland.

How To Make Money in Hawaii?

When moving to Hawaii without a job, you must have several months' worth of living expenses saved up. You’ll need around at least $1,485 (plus rent) per month. You can freelance until you get a proper job. Own a car? Start driving for Uber! Once you land your first proper job here, you’ll have to contend with taxes. Compared to the national average, Hawaii's top income tax rate is 11%, but you won’t have to worry about it unless you’re earning more than $200,000 per year. Here’s a breakdown of the tax rate:

Hawaii Taxable Income	Rate
$0 - $2,400	1.40%
$2,400 - $4,800	3.20%
$4,800 - $9,600	5.50%
$9,600 - $14,400	6.40%
$14,400 -$19,200	6.80%
$19,200 -$24,000	7.20%
$24,000 - $36,000	7.60%
$36,000 - $48,000	7.90%
$48,000 - $150,000	8.25%
$150,000 - $175,000	9.00%
$175,000 - $200,000	10.0%
$200,000 and above	11.0%

The point is—you won't get to keep all of what you'll earn. If your salary is barely enough, it won't be enough once it's taxed. Make sure you understand your expenses and long-term financial goals well before you accept a salary (otherwise, it will be a dead-end).

Things to Consider While Moving to Hawaii

Before you relocate, focus on these aspects to avoid any problems:

Selecting the Right Island

Of the six livable Hawaiian Islands, only four—Hawaii, Oahu, Maui, and Kauai—have substantial populations and resources favorable for easy transition into island life. While Hawaii is generally quite expensive, there are some exceptions, such as:

Hana, Kahului, and Wailuku in Maui

Kahuku, Waianae, and Waimalu in Oahu

Kapa'a in Kauai

Hilo on the Island of Hawaii

Establish Your Housing Budget

The island lifestyle comes with a higher cost of living. Before you move, fix your monthly budget and identify areas that align with your financial restrictions. If you’re all by yourself, you’ll need around $70,000 per year to live a decent life here.

Save up where you can, but don’t push it!