• Danielle-Ann Kealohilani Rugg moved back to Hawaii to care for her family during the pandemic.
• She balances event work, a tax business, and family life amid Hawaii's high living costs.
• Despite the challenges, she finds beauty in Hawaii but would return to Oregon for lower living costs.

This as-told-to essay is based on a conversation with Danielle-Ann Kealohilani Rugg, a 39-year-old entrepreneur and event staff professional who relocated from Oregon to Hawaii. It's been edited for length and clarity.

I have an ever-evolving career. I balance my event work with Aloha HP, running a successful tax practice, and caring for my family on Oahu in Hawaii.

My path has been a mix of culinary aspirations, entrepreneurial ventures, and family-driven decisions. I was born and raised on Oahu. In 2005, when my twin daughters were 1, I moved to California, where I lived for six years before settling in Oregon. Oregon became home for most of my children's lives, spanning the last decade.

I've been back on Oahu since the pandemic, and while it's gorgeous, the high cost of living is challenging.

My professional life began with a passion for food

I moved to Oregon after a divorce to help care for my grandparents, and I fell in love with everything about the state. I had always seen the different seasons in movies and TV shows and longed to experience them, and that dream finally came true. The other amazing thing about the state was the absence of sales tax.

I enrolled at Le Cordon Bleu in Portland to pursue my passion for baking and pâtisserie. After completing the two-year associate degree program, I worked in various roles, from baker to cashier to server.

Each position taught me invaluable lessons about customer service, multitasking, and time management, especially when catering large events. It wasn't just about bread and coffee cups but about creating memorable client experiences.

My family always came first. Wanting to be closer to my children, I became a lunch lady at their high school. Surprisingly, this was one of the most fulfilling roles I've had.

I continued my side hustle while in Oregon

I shift gears every February and dive into tax season with my mother. We've been running a tax prep business since my early 20s. We realized the hard work we put in for someone else's business could be channeled into something of our own.

The time zone difference was challenging while I was in Oregon, but we made it work. Depending on our clientele for the year, we make $50,000 to $75,000 annually.

My mother and I get along very well. Our relationship is not perfect, but we've found a good balance between our professional and personal lives.

The only downside I experienced in Oregon was the limited places to swim

The ocean was about an hour and a half away, but the water was always freezing. Although it was beautiful, going to a beach and being unable to jump in dampened the experience.

There were lakes, but they were freezing because all the freshwater came from the mountains. We also had a few facilities we could go to, but that would involve getting a membership, and not all of them were indoors.

When the pandemic hit, my family had to make a change

In 2020, as the world was grappling with the onset of COVID-19, my mother suffered an injury, and she needed help. She lived in Honolulu, and despite the comfortable life my children and I had built in Oregon, I needed to return home.

It wasn't an easy decision, especially during my kids' junior year in high school, but sometimes life demands hard choices. The transition was tough, but ultimately, it was the right move for my mother's well-being. We also moved my grandmother back with us, who has dementia.

Back on Oahu, I found a job with Aloha HP, a Hawaiian staffing company. Aloha HP allowed me to keep up with my business while maintaining an open schedule to care for my family, which was a relief.

I'm primarily involved with event staff work

I do anything from setting up for weddings and banquets to serving guests. These gigs can last four to nine hours.

I average about 80 hours of work a month and earn between $1,350 and $1,900. It's a dynamic way to work, and I enjoy its variety and challenges.

I've learned my self-care cannot be an afterthought. I always carve out two days during my hectic workweek just for myself.

Now that I'm back in Hawaii, the downsides are clear

The cost of living is one of Hawaii's biggest downsides. When I lived in Oregon, my rent for my three-bedroom, two-bath, two-car garage home with a yard was $1,500. Electricity was, on average, $250, and my water bill was around $80. Car registration for both of my cars totaled $275 for two years. Groceries cost us around $500 a month.

Now, my rent, which my family helps with, is $3,550 for a slightly larger home than I had in Oregon. Our electricity is almost three times the amount I paid in Oregon, running on average $660 and up. Water is around $220, and car registration is $445, but only valid for one year.

The grocery stores here also have inflated prices. I may earn more money in Hawaii, but it's offset by the cost of living in Hawaii being much greater than in Oregon.

It's still paradise

Living in paradise is amazing; don't get me wrong. I'm close to my family, the ocean is nearby, the sun almost always shines, and even when it doesn't, the rain is a nice, cool temperature — not freezing cold.

Still, if I had to choose between the two places, I would move back to Oregon, only because the cost of living here is so high.

I've realized, though, that Hawaii is and always will be home. Despite the changes in times and technological advancements, living on an island still offers so much beauty. Just being here is a gift in itself.

Even though I once said I'd never move back, life has a way of leading you where you need to be.

• Ten of the 15 most expensive metros based on regional price parity data for 2023 were in California.
• Miami and New York were two non-California metros with higher prices than the national average.
• Some of the least expensive areas were in Arkansas.

The most expensive US metros are commonly found in California, while many of the least expensive ones can be found in the South.

The Bureau of Economic Analysis recently published regional price parity data for 2023. The figures for states and metros show how price levels of goods and services compare to the national average.

The metro area of Seattle had a regional price parity for goods and services of around 113 in 2023. That means prices were 13% more expensive than the national average, making it one of the metros with the highest regional price parities.

"Whether you are considering a job offer in a more expensive city, looking for an affordable place to retire, or are just curious about how price levels compare between different parts of the country, our regional price parities can help," Vipin Arora, the director of the Bureau of Economic Analysis, said in a post.

California was 12.6% more expensive than the national average in 2023, making it the state with the highest regional price parity.

Several Golden State metros had the highest regional price parities among the over 380 metro areas in the US. San Luis Obispo-Paso Robles was roughly 11% more expensive than the national average, and prices in San Francisco-Oakland-Berkeley were 18% higher than the average.

It's also especially pricey in the Seattle, New York, Miami, Boston, and Honolulu metro areas, rounding out the non-Californian metros with the highest regional price parities in 2023.

Pine Bluff, Arkansas, was around 20% less expensive than the national average, making it the metro with the lowest regional price parity in 2023. Arkansas had the lowest regional price parity among states last year.

Several other metros in Arkansas were among the least expensive areas in the US. Most of the 15 metros with the lowest cost of living were in the South.

• New regional price parity data showed the varying cost of living in the US.
• California and Washington, DC, had the highest cost of living, largely driven by housing costs.
• Most of the states with the lowest relative cost of living were around the middle of the country.

Many states have a lower cost of living than the national average, but the West Coast and Northeast are still pricey.

The Bureau of Economic Analysis published new regional price parity data on Thursday that showed how expensive it is to live in different areas of the US.

"Regional price parities measure the differences in price levels across states for a given year and are expressed as a percentage of the overall national price level," BEA said in a news release.

The new 2023 data showed 16 states and Washington, DC, had more expensive goods and services than the national average. The states with the lowest cost of living were mainly around the middle of the country, including some states in the South.

The following map shows overall regional price parities, where a value over 100 means it was above the national average. Hawaii's figure of 108.6 means goods and services were about 9% more expensive than the average.

California had the highest relative cost of living; the state is 12.6% more expensive than the average. California metros also made up the majority of the top 10 that had the highest all-items regional price parities in 2023. The metro area of San Francisco-Oakland-Berkeley had the highest at 118.2, meaning it was almost 20% more expensive than the national average.

Washington, DC, had an ever-so-slightly higher figure than California in 2022 but fell short of California's in 2023. DC was 10.8% more expensive than the average. New Jersey ranked right below DC.

Relatively high housing costs contributed to the overall high regional price parities in those two states and DC. BEA said rents are usually "the main driver in differences in RPPs." DC, California, and New Jersey had the highest regional price parities for rents.

Arkansas continued to have the lowest regional price parity and was 13.5% less expensive than the national average in 2023. Alabama, West Virginia, and South Dakota were among the 10 states that were at least 10% less expensive than the national average.