Understanding the true cost of living in Mililani helps you plan your budget before buying a home. While Hawaii is known for being expensive, Mililani offers some of the best value on Oahu for families who want quality schools, safe neighborhoods, and a strong community.

Here is a comprehensive breakdown of what it actually costs to live in Mililani in 2026 from the Kristy & Austin Home Group at KA Home Group.

Housing Costs in Mililani 2026

Housing is the biggest expense in Mililani. Single-family homes range from $750,000 to over $1.1 million, while townhomes start in the mid $600,000s. Monthly mortgage payments for a typical $800,000 home with 10 percent down at current rates run approximately $4,500 to $5,200 including property taxes and insurance.

Renters can expect to pay $2,200 to $2,800 per month for a two-bedroom townhome and $2,800 to $3,500 for a three-bedroom single-family home. Mililani Town Association fees average $60 to $100 per month and cover access to recreation centers, pools, and parks.

Groceries and Food

Grocery costs in Hawaii run about 50 to 60 percent higher than the mainland average. A family of four can expect to spend $1,200 to $1,600 per month on groceries in Mililani. Popular shopping options include Times Supermarket, Foodland, and Walmart in the Mililani Town Center. Costco in Waipio is a short drive away for bulk buying.

Dining out at local restaurants in Mililani averages $15 to $25 per person for casual meals and $30 to $50 for nicer dining. The growing food scene in Mililani includes plate lunch spots, ramen shops, and coffee cafes.

Utilities and Transportation

Electricity in Hawaii is the most expensive in the nation. Monthly electric bills for a Mililani home average $250 to $400 depending on home size and air conditioning usage. Many homeowners install solar panels to offset these costs significantly.

Water and sewer run approximately $80 to $120 per month. Internet service averages $60 to $80 monthly. Gas for commuting from Mililani to Honolulu costs roughly $200 to $350 per month depending on vehicle and driving frequency.

Healthcare and Insurance

Hawaii has some of the best healthcare outcomes in the nation. Health insurance premiums are generally comparable to other states, and Hawaii requires employers to provide coverage. Homeowner insurance in Mililani ranges from $100 to $250 per month depending on coverage levels and home value.

Overall Monthly Budget for a Family of Four

A realistic monthly budget for a family of four living in Mililani in 2026 looks approximately like this: housing $4,500 to $5,500, groceries $1,200 to $1,600, utilities $400 to $600, transportation $300 to $500, insurance $200 to $400, and recreation and dining $500 to $800. Total monthly costs range from approximately $7,100 to $9,400.

While these numbers are higher than many mainland cities, Mililani offers exceptional value within Hawaii. The quality of schools, safety, recreation, and community life make the investment worthwhile for families who call this community home.

Want to understand exactly what your Mililani budget would look like? Contact Kristy & Austin at (808) 829-6819 or visit kahomegroup.com. We help buyers build realistic financial plans for Mililani homeownership.