A year-round warm climate with stunning natural beauty and high-quality medical care make Hawaii one of the most desirable states to retire to in the United States. In the Aloha State, 10.3% of residents are aged 65 and over. This population of older adults has access to an abundance of activities and resources, especially for those who love the outdoors. Sandy beaches, lush rain forests and world-class golf are all complemented by good air quality

Many of Hawaii’s seniors choose to live in independent living. Unlike assisted living facilities or nursing homes, these communities are designed for older adults able to take care of themselves and go where they please. The average cost for assisted living in Hawaii is $3,250 per month. 

Families wanting to learn more about independent living in Hawaii can find valuable information in this guide. It includes cost comparisons with other states and links to resources that can make independent living more comfortable or affordable. 

The Cost of Independent Living in Hawaii

Note: While no authoritative source tracks Independent Living costs, they are generally 30% to 40% less than those of Assisted Living. To reflect this, we’ve subtracted 35% from the Assisted Living costs reported by the 2021 Genworth Financial Cost of Care Survey to estimate Independent Living costs.

Although Hawaii is thousands of miles off the United States’ Pacific Coast, its monthly cost for Independent Living, $3,494, is relatively close to the costs of coastal states. Washington is the most expensive West Coast state for Independent Living at $3,900, while California is just slightly cheaper than Hawaii at $3,413. Oregon is still lower at $3,279. All of these states’ Independent Living prices are considerably higher than the national average of $2,925.

$3494

Hawaii

$2925

The United States

$3900

Washington

$3279

Oregon

$3413

California

Genworth Financial’s Cost of Care Survey includes cost data from only two locations in the state. Independent Living runs roughly $3,494 a month in the state capital of Honolulu, which is on the island of Oahu. In the Kahului area, which covers the towns of Kahului, Wailuku and Lahaina on the island of Maui, Independent Living is over $1,000 cheaper at $2,486.

$3494

Honolulu

$2486

Kahului Area

There’s a very wide range of potential price points when it comes to support for older adults in Hawaii. Adult Day Care is the cheapest option at $1,625 a month, while Assisted Living is nearly $2,000 more than Independent Living at $5,375. Homemaker and Home Health Aide services both cost $5,720 a month and can be the best option for seniors who wish to age in traditional homes. The monthly cost for Nursing Home care in Hawaii, whether in a private room for $14,113 or a semiprivate room for $12,501, is more than twice the cost of in-home care.

$5720

Homemaker

$5720

Home Health Aide

$1625

Adult Day Care

$3494

Independent Living

$5375

Assisted Living

$12501

Nursing Home (semiprivate room)

$14113

Nursing Home (private room)

Can You Use Medicare or Medicaid to Pay for Independent Living in Hawaii?

Unfortunately, you cannot use Medicaid and Medicare to help pay the monthly fee for residing in an Independent Living community. For seniors who need help with Activities of Daily Living (ADLs), there may be financial assistance programs available to help cover the cost of care in Independent Living. For more information about financial assistance for those who need a higher level of care, read our guide to Assisted Living in Hawaii.

Read on for more information about using alternative means to make Independent Living more affordable, such as retirement funds, the sale of a home, etc.

Paying for Independent Living in Hawaii

Several strategies can help pay for independent living in Hawaii. The homeownership rate in the Aloha State is nearly 59%, meaning many seniors can use their homes for funding. Families can realize this equity through a sale or renting. They can also take out a home equity loan or reverse mortgage, a popular option that allows families to keep a home while receiving monthly payments. Seniors who were able to save money during their working years may be able to cash out their investments, while others may have planned ahead by taking out a long-term care insurance policy. Cashing out a whole life policy is also possible. 

Independent Living Resources in Hawaii

In Hawaii, public and private organizations provide resources for seniors searching for independent living or already residing in a community. These free or low-cost options ensure that older adults on the island can maintain their independence and dignity. 

Resource
Contact
Service
(808) 643-2372
The Hawaii Aging and Disability Resource Center (ADRC) aims to help seniors find supports and services that improve their quality of life in independent living communities. These can include everything from help with daily activities to assistive technology and local transportation. The organization also provides support for family caregivers who need information or a break from their duties. Eligibility varies from program to program, but most require the recipient to be 60 or older and not be receiving aid from another government agency. ADRC has locations on each of the six big islands. 
(808) 586-7299
Seniors in independent living, as well as their families and caregivers, can contact Hawaii SHIP for help with a variety of Medicare-related issues. This volunteer-based program provides one-on-one counseling, free presentations and informative guides that help families navigate their Medicare options. Counseling sessions can take place over the phone or Internet, and events take place throughout the state.
(808) 527-4777
The senior programs offered by the Catholic Charities Hawai'i can help seniors find independent living or improve life in an existing community. They offer case management, benefits enrollment assistance and local transportation. These specific programs are limited to O'ahu. They also operate the Lanakila Multi-Purpose Senior Center on O'ahu, which provides recreational, social, educational and volunteer opportunities. Seniors throughout the state who feel isolated can contact the Phone-a-Friend program for companionship.
(866) 295-7282
With more than 150,000 members, the Hawaii Chapter of the AARP aims to make lives better for older adults in the Aloha State. Membership in the AARP provides seniors with countless discounts and rewards at popular destinations throughout Hawaii, as well as information and resources related to independent living. When necessary, representatives from this nonprofit organization advocate for the rights and interests of seniors at the government level. Volunteer opportunities are available through the AARP for seniors able to give their time to the community. 
(808) 586-4400
Hawaii has four Area Agencies on Aging: the Elderly Affairs Division (Honolulu), the Hawaii County Office of Aging, the Maui County Office on Aging, and the Kauai Agency on Elderly Affairs. These offices help ensure local seniors have access to a wide range of care options, including legal assistance, homemaker services, assisted transportation, congregate meals and case management. Caregiver support is also available to family members providing support to residents in independent living communities or other settings. Each AAA office is under the supervision of the state's Executive Office of Aging. 

COVID-19 Rules for Independent Living in Hawaii

The following information is based on research done on several government websites, including health.hawaii.gov/coronavirusdisease2019. These rules apply to Independent Living Communities and other types of senior living facilities. We’ve most recently updated this data on 2/7/2022, but since COVID-19 is a rapidly evolving pandemic, contact your local senior living facility or Area Agency on Aging for more specific and up-to-date information.

Visitation Policies

Rules for Hawaii Communities

Are loved ones allowed to visit to provide emotional support?

Yes (Conditions Apply)

Are relatives allowed to visit for end-of-life care?

Yes

Are residents required to quarantine after visiting with a loved one?

No

Are visitors required to wear PPE (including masks) in order to visit residents?

Yes

Are non-medical contractors (such as hairdressers and entertainers) allowed in senior living facilities?

No

Are visitors checked for elevated temperatures?

Yes

Are visitors required to answer questions about health, travel, and potential virus contact?

Yes

Outings & Social Activities

Rules for Hawaii Communities

Are residents allowed to leave (errands, visiting family, etc.) for non-medical reasons?

Yes

Are residents who leave required to quarantine when they return?

No (Conditions Apply)

Are senior living communities required to cancel all group outings?

No

Are residents allowed to eat meals together in a common area?

Yes (Conditions Apply)

Are residents allowed to gather in common areas for group activites?

Yes (Conditions Apply)

COVID-19 Safety Measures for Staff and Residents

Rules for Hawaii Communities

Are staff members regularly required to do a temperature check?

Yes

Are staff members regularly tested for COVID-19?

Yes

Are staff members members regularly required to do a health and safety screening, including questions about travel, contact with positive cases, etc?

Yes

Are residents regularly screened for COVID-19 symptoms?

Yes

Are residents regularly checked for elevated temperatures?

Yes

Are residents regularly tested for COVID-19?

Yes (Conditions Apply)

Find Independent Living Communities in Hawaii

Use the tool below to find Independent Living Communities near you – if you’d like to search in a specific city in Hawaii, simply put that in the search bar below.

2015, 2016

Holiday Hawai’i Kai Retirement Community

428 Kawaihae St, Honolulu, HI, 96825

is located on the spectacular island of Oahu in beautiful Honolulu, Hawaii. This assisted and independent living facility offers numerous amenities, including a beauty/barber shop, computer room and … (read more)
is located on the spectacular island of Oahu in beautiful Honolulu, Hawaii. This assisted and independent living facility offers numerous amenities, including a beauty/barber shop, computer room and … (read more)

Kalakaua Gardens

1723 Kalakaua Ave., Honolulu, HI, 96826


The Plaza at Waikiki

1812 Kalakaua Ave., Honolulu, HI, 96815

The Plaza at Waikiki is new and very clean, but they don’t have a patio. The activities are pretty good. They have field trips to different places, and a theater where they show movies with popcorn. T … (read more)
The Plaza at Waikiki is new and very clean, but they don’t have a patio. The activities are pretty good. They have field trips to different places, and a theater where they show movies with popcorn. T … (read more)

The Plaza at Punchbowl

918 Lunalilo St, Honolulu, HI, 96822

The Plaza at Punchbowl is in Honolulu, Hawaii on the beautiful island of Oahu. Room options at this assisted living facility range from studio apartments to two-bedroom apartments with companion suite … (read more)
The Plaza at Punchbowl is in Honolulu, Hawaii on the beautiful island of Oahu. Room options at this assisted living facility range from studio apartments to two-bedroom apartments with companion suite … (read more)

15 Craigside

15 Craigside Place, Honolulu, HI, 96817

I toured 15 Craigside. I like the food; it was good. I like the type of people residing there; they’re more of my caliber. It’s in a good location. The area is good. The staff during the tour did an e … (read more)
I toured 15 Craigside. I like the food; it was good. I like the type of people residing there; they’re more of my caliber. It’s in a good location. The area is good. The staff during the tour did an e … (read more)

Kalakaua Vista

1628 Kalakaua Avenue, Honolulu, HI, 96826

Kalakaua Vista is only about 6 or 7 years old. The majority of the staff is very, very nice. I have yet to come across a rude person. They are extremely friendly. Some of the units have case workers t … (read more)
Kalakaua Vista is only about 6 or 7 years old. The majority of the staff is very, very nice. I have yet to come across a rude person. They are extremely friendly. Some of the units have case workers t … (read more)

Pikoii Vista

1326 Piikoi Street, Apt 808, Honolulu, HI, 96814

Pikoii Vista is very affordable. I have several friends that live there and they like it very much. The staff is very nice and friendly. It’s a well-kept place. It’s very clean.
Pikoii Vista is very affordable. I have several friends that live there and they like it very much. The staff is very nice and friendly. It’s a well-kept place. It’s very clean.

Good Samaritan Society "“ Pohai Nani

45-090 Namoku Street, Kaneohe, HI, 96744

Good Samaritan Society, in Kaneohe, HI, is a facility with lush landscaping and close proximity to the beach. Visitors say the view of the mountains and the Kaneohe Bay make it a lovely spot for resid … (read more)
Good Samaritan Society, in Kaneohe, HI, is a facility with lush landscaping and close proximity to the beach. Visitors say the view of the mountains and the Kaneohe Bay make it a lovely spot for resid … (read more)

The Plaza at Kaneohe

46-68 Alaloa St, Kaneohe, HI, 96744

The Plaza at Kaneohe is different from living in a private place. It is so restrictive, you have to sign in and out as you leave the property. They have people that are independent, like myself, and I … (read more)
The Plaza at Kaneohe is different from living in a private place. It is so restrictive, you have to sign in and out as you leave the property. They have people that are independent, like myself, and I … (read more)

The Plaza Assisted Living

46-064 Alaloa St, Kaneohe, HI, 96744


Independent Living Facilities in Hawaii (2)