City comparison

Santa Maria, 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 2.0% higher than in Santa Maria, CA. Someone earning $100,000 in Santa Maria, CA would need about $102,000 in Urban Honolulu, HI to live the same way.
  • Rent is the bigger story: a typical 1-bedroom costs $2,746 a month in Santa Maria, CA versus $2,016 in Urban Honolulu, HI. On $100,000, that's 44% of take-home pay in Santa Maria, CA and 33% in Urban Honolulu, HI.
  • On $100,000, estimated state income tax is about $999 a year higher in Urban Honolulu, HI than in Santa Maria, CA.
  • For federal employees, locality pay changes a GS-13 step 1 salary by −10.4% moving from Santa Maria, CA to Urban Honolulu, HI ($124,085 → $111,119), while prices change by +2.0%. Net effect of the transfer: −12.2% in real buying power.
Santa MariaUrban Honolulu
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • Santa Maria, CA: price level 108.8 (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

Santa Maria, CAUrban Honolulu, HI
Price level (U.S. = 100)2108.8111.0
$100,000 is worth, in the other city2$101,988 in Urban Honolulu$98,051 in Santa Maria
Typical 1-bedroom rent3$2,746/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 $100,00044%33%
Median pay, all jobs4$51,690$57,220
Federal locality pay area7Los Angeles-Long Beach, CAState of Hawaii

Rent areas: Santa Maria-Santa Barbara, CA MSA and Urban Honolulu, HI MSA. Metro areas: Santa Maria-Santa Barbara, CA and Urban Honolulu, HI.

What costs more or less

Santa Maria, CAUrban Honolulu, HI
Price level (U.S. = 100)Santa MariaUrban Honolulu
Housing (rent)151.4135.5
Goods105.2111.6
Utilities149.8187.3
Other services100.3102.9
Overall108.8111.0
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

Santa Maria, CA → Urban Honolulu, HI

Roughly even

Buying power −1.9%; rent takes 33% of take-home; state tax +$999/yr.

51 Fair offer

Urban Honolulu, HI → Santa Maria, CA

Roughly even

Buying power +2.0%; rent takes 44% of take-home; state tax −$999/yr.

46 Fair offer

On the GS pay scale?

Santa Maria, 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 Santa Maria, CA to Urban Honolulu, HI at the same grade and step does to real buying power.

Grade5,2Santa Maria, CAUrban Honolulu, HIReal change, Santa Maria → Urban Honolulu
GS-9 step 1$71,957$64,438−12.2%
GS-11 step 1$87,061$77,964−12.2%
GS-12 step 1$104,349$93,445−12.2%
GS-13 step 1$124,085$111,119−12.2%
GS-14 step 1$146,632$131,310−12.2%

Pay for common jobs

Median annual pay4Santa Maria, CAUrban Honolulu, HIUrban Honolulu pay in Santa Maria dollars
Elementary School Teachers, Except Special Education$101,030$73,080$71,655 (−29.1%)
Software Developers$158,290$120,230$117,886 (−25.5%)
Accountants and Auditors$91,610$74,990$73,528 (−19.7%)
Registered Nurses$137,360$139,260$136,545 (−0.6%)

"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.