City comparison

San Luis Obispo, CA vs Urban Honolulu, HI

What a paycheck is really worth in each city: prices, rent and state taxes.

Key findings

  • Prices in Urban Honolulu, HI are 2.2% higher than in San Luis Obispo, CA. Someone earning $100,000 in San Luis Obispo, CA would need about $102,200 in Urban Honolulu, HI to live the same way.
  • Rent differs too: a typical 1-bedroom costs $2,016 a month in Urban Honolulu, HI versus $1,914 in San Luis Obispo, CA. On $100,000, that's 33% of take-home pay in Urban Honolulu, HI and 31% in San Luis Obispo, CA.
  • On $100,000, estimated state income tax is about $999 a year higher in Urban Honolulu, HI than in San Luis Obispo, CA.
  • For federal employees, locality pay changes a GS-13 step 1 salary by −10.4% moving from San Luis Obispo, CA to Urban Honolulu, HI ($124,085 → $111,119), while prices change by +2.2%. Net effect of the transfer: −12.4% in real buying power.
San Luis ObispoUrban Honolulu
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • San Luis Obispo, CA: price level 108.6 (much pricier)
  • Urban Honolulu, HI: price level 111.0 (much pricier)

Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.

Side by side

San Luis Obispo, CAUrban Honolulu, HI
Price level (U.S. = 100)2108.6111.0
$100,000 is worth, in the other city2$102,178 in Urban Honolulu$97,869 in San Luis Obispo
Typical 1-bedroom rent3$1,914/mo$2,016/mo
Take-home on $100,00014,15,8$74,110$73,110
State income tax on $100,000 (estimate)8$5,070 (CA)$6,070 (HI)
Rent burden on $100,00031%33%
Median pay, all jobs4$50,770$57,220
Federal locality pay area7Los Angeles-Long Beach, CAState of Hawaii

Rent areas: San Luis Obispo-Paso Robles, CA MSA and Urban Honolulu, HI MSA. Metro areas: San Luis Obispo-Paso Robles, CA and Urban Honolulu, HI.

What costs more or less

San Luis Obispo, CAUrban Honolulu, HI
Price level (U.S. = 100)San Luis ObispoUrban Honolulu
Housing (rent)144.4135.5
Goods105.2111.6
Utilities147.8187.3
Other services100.3102.9
Overall108.6111.0
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

San Luis Obispo, CA → Urban Honolulu, HI

Same pay buys less

Buying power −2.1%; rent takes 33% of take-home; state tax +$999/yr.

50 Fair offer

Urban Honolulu, HI → San Luis Obispo, CA

Same pay goes further

Buying power +2.2%; rent takes 31% of take-home; state tax −$999/yr.

67 Fair offer

On the GS pay scale?

San Luis Obispo, CA is in the Los Angeles-Long Beach, CA pay area; Urban Honolulu, HI is in State of Hawaii. The last column shows what a transfer from San Luis Obispo, CA to Urban Honolulu, HI at the same grade and step does to real buying power.

Grade5,2San Luis Obispo, CAUrban Honolulu, HIReal change, San Luis Obispo → Urban Honolulu
GS-9 step 1$71,957$64,438−12.4%
GS-11 step 1$87,061$77,964−12.4%
GS-12 step 1$104,349$93,445−12.4%
GS-13 step 1$124,085$111,119−12.4%
GS-14 step 1$146,632$131,310−12.4%

Pay for common jobs

Median annual pay4San Luis Obispo, CAUrban Honolulu, HIUrban Honolulu pay in San Luis Obispo dollars
Elementary School Teachers, Except Special Education$97,620$73,080$71,522 (−26.7%)
Software Developers$135,020$120,230$117,667 (−12.9%)
Accountants and Auditors$88,160$74,990$73,392 (−16.8%)
Registered Nurses$138,820$139,260$136,292 (−1.8%)

"Not published" means BLS doesn't release an estimate for that job in that metro.

Check your own offer

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Taxes are estimates for a single filer taking the standard deduction; city and county income taxes are not included. See the methodology.

Notes & Sources

  1. U.S. Census Bureau, Metropolitan Statistical Area population estimates (Vintage 2025) (2025). Retrieved 2026-09-29.
  2. U.S. Bureau of Economic Analysis, Regional Price Parities by MSA (MARPP), all items (2024). Retrieved 2026-09-29.
  3. U.S. Department of Housing and Urban Development, Fair Market Rents, 1-bedroom (2026). Retrieved 2026-09-29.
  4. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025, metropolitan areas (2025). Retrieved 2026-09-29.
  5. U.S. Office of Personnel Management, General Schedule (GS) pay rates with locality pay, 2026 (2026). Retrieved 2026-09-29.
  6. U.S. Office of Personnel Management, Locality codes used in the 2026 GS pay spreadsheet (2026). Retrieved 2026-09-29.
  7. U.S. Office of Personnel Management, 2026 Locality Pay Area Definitions (counties in each pay area) (2026). Retrieved 2026-09-29.
  8. Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (2026). Retrieved 2026-09-29.
  9. U.S. Census Bureau, Cartographic boundary file: states, 1:20,000,000 (2024) (2024). Retrieved 2026-09-29.
  10. U.S. Census Bureau, Gazetteer file: core based statistical areas (2025) (2025). Retrieved 2026-09-29.
  11. U.S. Census Bureau, American Community Survey 5-year estimates, 2020-2024, table C24010 (occupation of employed residents) by ZIP code area (2024). Retrieved 2026-09-29.
  12. U.S. Census Bureau, ZIP Code Tabulation Area relationship files (2020; Connecticut 2022) and Gazetteer locations (2025) (2025). Retrieved 2026-09-29.
  13. U.S. Census Bureau, Cartographic boundary files (ZIP code areas 2020; counties and states 2024) and TIGER/Line primary roads (2024) (2024). Retrieved 2026-09-29.
  14. Internal Revenue Service, Rev. Proc. 2025-32 (2026 tax brackets and standard deduction) (2026). Retrieved 2026-09-29.
  15. Internal Revenue Service, Publication 15 (Circular E), Employer's Tax Guide for 2026 (Social Security and Medicare) (2026). Retrieved 2026-09-29.
  16. U.S. Department of Labor, Employment and Training Administration, O*NET 31.0 Database: Job Titles (used under CC BY 4.0; O*NET is a trademark of USDOL/ETA) (2026). Retrieved 2026-10-14.