salaryPearl City is the 4th-largest city in Hawaii that we track, with 44,547 residents. Rent is higher than in 86% of U.S. cities. A typical house costs about 7.1 years of household income, so buying is hard for most locals.
How much money do I need?
To rent here comfortably, you should earn about $101,760 a year. That is $49 an hour at a full-time job.
Is rent cheaper than other Hawaii cities?
No. Rent here is more expensive than in most of Hawaii. It is number 29 of 57 cities from cheapest to most expensive.
How much do households earn in Pearl City?
Share of households by yearly income. 48.2% of households earn $100,000 or more.
Rent by apartment size in Pearl City
| Size | Pearl City | U.S. average |
|---|---|---|
| Studio | $1,144 | $1,338 |
| 1 bedroom | $1,214 | $1,324 |
| 2 bedrooms | $2,325 | $1,509 |
| 3 bedrooms | $2,852 | $1,698 |
| 4 bedrooms | $3,479 | $2,098 |
Median monthly rent plus utilities for all renters, by number of bedrooms.
How expensive is Pearl City overall?
Everyday prices in Hawaii overall are 10% above the U.S. average (index 110.0, U.S. = 100).
Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Pearl City, so the Hawaii figure is shown.
Taxes and bills in Pearl City
Life in Pearl City
Is it cheaper to rent or buy in Pearl City?
Renting is cheaper right now: about $3,711 a month less.
Owning assumes a typical $901,500 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $90,150 for the down payment.
Frequently asked questions
What is the average rent in Pearl City, HI?
Renting in Pearl City costs a median of about $2,544 a month in 2026, including utilities. The Hawaii median is $2,544.
How much do I need to make to live in Pearl City?
To keep rent under 30% of income, you need about $101,760 a year, or $49 an hour at a full-time job.
Is Pearl City cheap or expensive?
Pearl City is rated OK: rent takes 24.0% of the typical household income of $127,384. It ranks 29th cheapest of 57 Hawaii cities we track.
How much are property taxes in Pearl City?
The median homeowner in Pearl City pays $2,480 a year in property taxes, about 0.28% of the median home value.
Is Pearl City more expensive than the national average?
Overall prices in Hawaii are 10% above the U.S. average, according to the U.S. Bureau of Economic Analysis.
How much does a house cost in Pearl City?
The median home value in Pearl City is $901,500, about 7.1 times the typical yearly household income.
44,547 people live in Pearl City. Numbers are typical (middle) values.