Affordable

What Salary Do You Need to Live in Captain Cook?

To afford a 2-bedroom in Captain Cook, you need to earn at least $86,920/year based on estimated fair market rent data. The median household income here is $120,323, which means the typical resident is $33,403 above the threshold.

Census ACS Data Pop. 4,135

Salary Required by Bedroom Size

Bedroom	Monthly Rent	Monthly Income	Annual Salary	vs. Median
Studio	$1,521	$5,070	$60,840	$-59,483
1 Bedroom	$1,804	$6,013	$72,160	$-48,163
2 Bedroom BENCHMARK	$2,173	$7,243	$86,920	$-33,403
3 Bedroom	$2,651	$8,837	$106,040	$-14,283
4 Bedroom	$3,260	$10,867	$130,400	+$10,077

Affordability Breakdown

Where the required salary line crosses above Captain Cook's median income — housing becomes unaffordable for the typical resident.

Required Salary Median Income

Income vs. Rent Snapshot

Median Income

$120,323

Annual household

2BR Required Salary

$86,920

Under 30% rule

Income Gap

+$33,403

Surplus

Verdict

Affordable

Ratio: 21.7%

The 30% Rule Calculator

Enter your annual salary to see what you can afford in Captain Cook

Your Annual Salary

Pre-filled with Captain Cook's median household income

Max monthly rent you can afford$3,008

Studio

$1,521/mo

1 BR

$1,804/mo

2 BR

$2,173/mo

3 BR

$2,651/mo

4 BR

$3,260/mo

Your salary is $0 above the median income in Captain Cook.

Salary Comparison by Bedroom

Bars left of the marker line are affordable for Captain Cook's median earner. Bars to the right require above-median income.

Affordable Above Median Median Income

What This Means If You're Moving to Captain Cook

Captain Cook, Hawaii stands out as one of the more financially accessible housing markets in the state. The median household income of $120,323 significantly exceeds the $86,920 needed to comfortably afford a 2-bedroom at 30% of gross income — leaving a $33,403 annual surplus for savings, debt repayment, or lifestyle spending.

For remote workers or relocators evaluating Captain Cook, a studio at $1,521/month offers an even more aggressive savings rate. Even a 3-bedroom at $2,651/month remains accessible for dual-income households earning above $106,040.

To live comfortably with room for non-housing expenses, a break-even salary of approximately $130,380 would position you well — though many residents in Captain Cook manage on less given the favorable rent-to-income dynamics.

Economic Outlook

Local Job Market & Housing Dynamics

Affording rent isn't just about housing prices—it's heavily dependent on local employment opportunities and the strength of the job market in Captain Cook, Hawaii.

With a total population of 4,135, the city supports an active civilian workforce of 1,853 people. A strong employment base often indicates a stable economy, which is crucial when committing to a lease requiring a $86,920 annual salary. The ratio of employed residents to the total population provides insight into the local economic health and competition for both jobs and housing.

Employed Workforce

1,853

Active civilian employees in Captain Cook

Frequently Asked Questions About Renting in Captain Cook

What salary do I need to live in Captain Cook, Hawaii?

To afford a 2-bedroom in Captain Cook under the 30% rule, you need an annual salary of at least $86,920. The median household income in Captain Cook is $120,323.

Can I afford a 2-bedroom in Captain Cook on $120,323?

The affordability verdict for Captain Cook is "Affordable". The rent-to-income ratio is 21.7%, meaning median earners have a $33,403 surplus.

What is the average rent in Captain Cook compared to median income?

The median gross rent in Captain Cook is $1,804/month. With a median household income of $120,323, residents spend approximately 21.7% of their income on rent.

What salary do I need for a studio in Captain Cook?

A studio in Captain Cook rents for approximately $1,521/month. Under the 30% rule, you need an annual salary of $60,840 to afford this.

Is Captain Cook considered an affordable place to live?

Based on the surplus of $33,403 and an affordability verdict of "Affordable", Captain Cook is considered a affordable rental market when comparing the required 2-bedroom salary of $86,920 to the local median household income.

How Captain Cook Compares

Other cities in Hawaii with salary requirements