Half of Hawaiʻi’s residents are living paycheck-to-paycheck

An Appleseed-commissioned poll highlights the extent to which working families are now struggling to get by in Hawaiʻi.


HONOLULU, Hawaiʻi — A telephone survey conducted in February 2016 by QMark Research and commissioned by the Hawaiʻi Appleseed Center for Law & Economic Justice found that 48 percent of Hawaiʻi residents would describe their financial situation as “surviving paycheck-to-paycheck.” 

The survey, which polled 503 Hawaiʻi residents, revealed the extent of the financial struggles that many working families currently face across the state.

The vast majority of those polled flagged high housing costs and low wages as major concerns, and support tax credits that let working families keep more of what they earn. The poll results also show that Hawaiʻi residents are highly concerned about the state’s high cost of housing and low wages and that they support tax credits to help them make ends meet.

  • One in four (25 percent) have at some point worried about how they would pay that month’s rent or mortgage.

  • One in five (21 percent) have worried about how they would come up with enough money to pay their monthly utility bill.

  • One in five (20 percent) have faced medical crisis bills that caused financial worry and hardship.

  • One in six (17 percent) have worried about being able to provide basic necessities like food for loved ones.

  • A full 95 percent identified the high cost of housing as a very serious or important problem in Hawaiʻi.

  • Almost nine in 10 (89 percent) believe the low wages paid to many residents are a very serious or important concern.

  • Six out of seven (86 percent) indicate support for a tax credit that lets low and moderate income working families keep more of what they earn.

“Even as Hawaiʻi recovers from the Great Recession, thousands of our neighbors are still struggling day to day to support themselves and their families,” said Hawaiʻi Appleseed Co-Executive Director Gavin Thornton. “Our state is the second-worst in the nation when it comes to taxing low-income residents. However, targeted tax credits such as an improved low-income household renters tax credit can help better balance the tax burden among us.”

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Hawaiʻi Appleseed is working to build a more socially just Hawaiʻi, where everyone has genuine opportunities to achieve economic security and fulfill their potential. We change systems that perpetuate inequality and injustice through policy development, coalition building and advocacy.

Gavin Thornton

Gavin Thornton joined Hawaiʻi Appleseed in 2012. He became Co-Executive Director in 2016, and Executive Director in 2019. Gavin began his career in the AmeriCorps program in Kona, Hawaiʻi in 2002. Since that time, Gavin’s work has focused on trying to ensure that low-income people have the basic resources they need to build a safe, stable foundation for a successful life.

Gavin serves on the board of the HMSA Foundation. He has previously served on the Board of Directors of PHOCUSEDPartners in Care, the Young Lawyers Division of the Hawaiʻi State Bar Association, the Hawaiʻi District Court Rules Committee, and the Board of TeamChild, an organization that assists youth at risk of involvement in the juvenile justice system. 

For his work in subsidized housing, Gavin was awarded the National Housing Law Project’s annual Housing Justice Award. He is a 2002 graduate of the University Of Virginia School Of Law.

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Report examines the state of poverty in Hawaiʻi since the Great Recession

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Hawaiʻi families, businesses and economy would benefit greatly from state Earned Income Tax Credit