Kahului vs Waipahu: Insurance Agent Salary (2026)
Compare insurance agent salaries between Kahului, HI and Waipahu, HI. All figures are 2026 estimates projected from BLS 2025 data.
Side-by-Side Comparison
| Metric | Kahului, HI | Waipahu, HI |
|---|---|---|
| Median Salary | $65,589 | $75,427▲ |
| Hourly Rate | $31.54 | $36.26▲ |
| Entry Level (P10) | $46,112▲ | $45,050 |
| 25th Percentile | $51,406 | $55,911▲ |
| 75th Percentile | $82,300 | $96,547▲ |
| Top Earner (P90) | $121,689▲ | $116,912 |
| Total Employed | 60▲ | 9 |
Verdict
Kahului and Waipahu are closely matched on overall insurance agent compensation, each winning on different metrics.
The salary gap between Kahului and Waipahu is $9,838 (15.00%). Waipahu's median is +16.90% compared to the US national median of $64,522.
Salary Range Comparison
The full salary range (10th to 90th percentile) in Kahului spans $75,577,Waipahu spans $71,862. Kahului has a wider pay range, meaning more potential for high earners but also more variation.
Cost-of-Living Adjusted Comparison
After cost-of-living adjustment, Waipahu ($63,225 effective) pays 5.45% more than Kahului ($59,957 effective).
Cost-of-living adjustment: salary × (100 / CoL index). Index of 100 = national average.
Which City Is Right for You?
Choose Kahului if…
- ✓Better top-earner potential ($121,689)
- ✓Larger job market (60 employed)
- ✓You prefer the Hawaii area and lifestyle
Choose Waipahu if…
- ✓Higher median salary ($75,427/year)
- ✓Better purchasing power (CoL-adjusted: $63,225)
- ✓You prefer the Hawaii area and lifestyle
Historical Salary Growth Comparison
Based on BLS OEWS metropolitan area data, insurance agent salaries in Kahului grew 9.4% from 2019 to 2025, compared to 0.5% growth in Waipahu over the same period.
Kahului, HI
$57,870 (2019) → $63,310 (2025)
Waipahu, HI
$72,479 (2024) → $72,806 (2025)
View Full Salary Data
Kahului, HI
Waipahu, HI
Frequently Asked Questions
Which city pays insurance agents more: Kahului or Waipahu?
What is the hourly rate difference between Kahului and Waipahu?
Should I relocate from Kahului to Waipahu as a insurance agent?
What do entry-level insurance agents earn in Kahului vs Waipahu?
Written by Jordan Lee, MBA
Career Analyst
Jordan has over 10 years of experience in the insurance industry. He specializes in property and casualty insurance. He has worked in both agency and corporate settings.
Methodology & Data Source
All salary figures are 2026 projections based on BLS OEWS May 2025 data. A 3.60% CAGR (derived from 6-year national BLS trends) was applied to estimate current compensation. Cost-of-living adjustments use BEA Regional Price Parity data. Actual salaries vary by employer, certifications, and experience.
Data Sources & Methodology
Source: BLS, OEWS , released .
Compiled and verified by Jordan Lee, MBA, a licensed insurance agent with 10+ years of clinical experience. · View source data at BLS.gov