In Pearl City, a typical home is worth $901,500 and typical rent is $2,316 a month. Compared with all of Honolulu County, typical household income is 11% higher, typical rent is 11% higher, and the share of households that own their home is 12 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $825,970 to $944,307.
Typical rent
$2,422a month
▲ 5.8% more than 12 months ago
Typical rent from Zillow, June 2022 to September 2026: from $1,898 to $2,422.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Pearl City is in Honolulu County. The FHA loan limit ($828,000 for a one-unit home), the fair market rents and the help on this page are those of all of Honolulu County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Waimalu, the typical home value is $597,800: 34% less than in Pearl City ($901,500).
2
Nearby, in Halawa, the typical rent is $1,739: 25% less than in Pearl City ($2,316).
3
72% of households in Pearl City own their home, against 60% in Honolulu County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Pearl City
What homes there are in Pearl City, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Pearl City
Honolulu County
Hawaii
United States
Kind of home: Pearl City and its comparisons
Measure
Pearl City
Honolulu County
Hawaii
United States
Detached house
63%
45%
54%
61%
Attached house
15%
11%
9%
6%
Building of 2 to 4
7%
7%
6%
8%
Apartments (5 or more)
14%
37%
31%
19%
Mobile home
Unreliable estimate
0%
0%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Pearl City, 6 in 10 homes are single-family detached houses; in Honolulu County, 5.
Year built
Before 19601960–19791980–19992000–20092010 or later
Pearl City
Honolulu County
Hawaii
United States
Year built: Pearl City and its comparisons
Measure
Pearl City
Honolulu County
Hawaii
United States
Before 1960
10%
16%
14%
26%
1960–1979
59%
41%
36%
24%
1980–1999
24%
24%
28%
25%
2000–2009
3%
10%
12%
14%
2010 or later
4%
9%
9%
11%
By age, homes in Pearl City look like those in Honolulu County: the typical year built is 1974.
Homes in Pearl City are bigger: 80% have 3 bedrooms or more; in Honolulu County, 54%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K3%
$100K–$200K2%
$200K–$300KUnreliable
$300K–$500K8%
$500K–$750K12%
$750K–$1M40%
$1M or more34%
Value of owner-occupied homes: Pearl City and its comparisons
Measure
Pearl City
Under $100K
3%
$100K–$200K
2%
$200K–$300K
Unreliable estimate
$300K–$500K
8%
$500K–$750K
12%
$750K–$1M
40%
$1M or more
34%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9998%
$1,000–$1,49915%
$1,500–$1,99915%
$2,000–$2,49916%
$2,500–$2,99918%
$3,000 or more26%
Monthly rent with utilities: Pearl City and its comparisons
Measure
Pearl City
Under $500
Unreliable estimate
$500–$999
8%
$1,000–$1,499
15%
$1,500–$1,999
15%
$2,000–$2,499
16%
$2,500–$2,999
18%
$3,000 or more
26%
With a mortgage
$2,902 a month
Honolulu County: $3,111 a month
Without a mortgage
$629 a month
Honolulu County: $783 a month
Owners with a mortgage
63%
Honolulu County: 65%
Owning costs less in Pearl City: with a mortgage, the typical cost is $2,902 a month; in Honolulu County, $3,111. Without one, $629.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Pearl City+35%
Honolulu County+32%
Hawaii+36%
United States+53%
Typical rent
Pearl City+21%
Honolulu County+19%
Hawaii+22%
United States+33%
Typical household income
Pearl City+18%
Honolulu County+24%
Hawaii+24%
United States+29%
Change since 2015–2019: Pearl City and its comparisons
Measure
Pearl City
Honolulu County
Hawaii
United States
Typical home value
+35%
+32%
+36%
+53%
Typical rent
+21%
+19%
+22%
+33%
Typical household income
+18%
+24%
+24%
+29%
The typical home value in Pearl City rose 35% since 2015–2019, about the same as in Honolulu County (32%).
Much as in Honolulu County, the typical rent in Pearl City rose 21% since 2015–2019.
Housing prices ran ahead of income in Pearl City: typical income rose 18%, against +35% for home values and +21% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Pearl City and its comparisons
Measure
Pearl City
Honolulu County
Hawaii
United States
Rental vacancy
Unreliable estimate
5.6%
7.4%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
0.9%
0.9%
More than one person per room
6.6%
8.9%
8.8%
3.4%
People per household
2.95
2.85
2.85
2.53
Drive alone
72%
63%
65%
69%
Carpool
14%
14%
14%
9%
Public transit
2%
5%
4%
3%
Walk or bike
2%
6%
5%
3%
Work from home
9%
9%
10%
15%
Other means
Unreliable estimate
3%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Pearl City, 6.6% of households live with more than one person per room, against 8.9% in Honolulu County.
A household in Pearl City has 2.95 people on average, about the same as in Honolulu County (2.85).
To get to work, 72% of workers in Pearl City drive alone; in Honolulu County, 63%.
Do the math
What would you pay each month for a home in Pearl City?
A typical home costs more than the typical income allows
We start with a typical home in Pearl City, worth $901,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 72% of the typical household income in Pearl City, which is $118,112 a year. For that payment to be 28% of income, a household would need to earn about $305,407 a year. Note: at that price the loan is above the FHA limit for Honolulu County ($828,000), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of Honolulu County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Pearl City. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $31,553 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$7,126
at 7.18% · 30 years
Loan amount
$885,171
Total interest
$1,273,554
Paid off in
November 2056
Includes $15,224 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,756 a month
Tight
$2,756 to $3,543 a month
Hard
more than $3,543 a month
Your payment · 72%
Compared with the typical household income in Pearl City ($118,112 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,996
Property tax
$210
Home insurance
$376
FHA mortgage insurance (MIP)
$544
This loan is over the FHA limit
You'd borrow $869,947, but the FHA limit for a one-unit home in Pearl City is $828,000. You'd need a bigger down payment or a different loan.
You need at least $31,553 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $7,126; principal and interest $5,996.
The city and its county
Pearl City and Honolulu County
Pearl City is in Honolulu County, Hawaii. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Pearl City
Map of Honolulu County, Hawaii, with Pearl City marked. Around it, the neighboring counties.
Pearl City
Honolulu County
Other cities with a page
Pearl City's own numbers
Typical home value
$901,500
Typical monthly rent
$2,316
Typical yearly household income
$118,112
Households that own their home
72%
Effective property tax rate
0.28%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Honolulu County
FHA limit, one-unit home
$828,000
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,542
Price change over 5 years (FHFA)
+37%
Homes in a high flood-risk zone
4.9%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Honolulu County.
A typical home in Pearl City is worth $901,500: about the same as the county and 7% above Hawaii. With the typical household income in Pearl City ($118,112 a year), a typical home costs 7.6 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Pearl City7.6 years
Honolulu8.5 years
Hawaii8.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Honolulu County
According to FHFA’s house price index, home prices in Honolulu County rose 59% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Honolulu County.
Yearly change in FHFA’s price index in Honolulu County, 2016 to 2025
2016: +7.9% +7.9% 2016
2017: +2.7% +2.7% 2017
2018: +4.2% +4.2% 2018
2019: +1.8% +1.8% 2019
2020: −1.3% −1.3% 2020
2021: +6.0% +6.0% 2021
2022: +16.1% +16.1% 2022
2023: +6.3% +6.3% 2023
2024: +3.2% +3.2% 2024
2025: +1.4% +1.4% 2025
Change in FHFA’s price index in Honolulu County, Hawaii and the United States
Period
County
Hawaii
U.S.
Last year (2025)
+1.4%
+2.9%
+2.9%
5 years (2020–2025)
+37%
+46%
+47%
10 years (2015–2025)
+59%
+73%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Pearl City next to Honolulu County, Hawaii and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Pearl City$901,500
Honolulu$897,500
Hawaii$839,100
United States$332,700
Typical monthly rent
Pearl City$2,316
Honolulu$2,083
Hawaii$1,971
United States$1,413
Typical yearly household income
Pearl City$118,112
Honolulu$106,195
Hawaii$100,389
United States$80,734
See the full table
Pearl City next to Honolulu County and Hawaii
Measure
Pearl City
Honolulu County
Hawaii
U.S.
Typical home value
$901,500
$897,500
$839,100
$332,700
Typical monthly rent
$2,316 ▲11% above the county
$2,083
$1,971
$1,413
Typical yearly household income
$118,112 ▲11% above the county
$106,195
$100,389
$80,734
Households that own their home
72% ▲12 points above the county
60%
63%
65%
Typical yearly property tax
$2,480 ▼3% below the county
$2,553
$2,239
$3,119
Effective property tax rate
0.28%
0.28%
0.27%
0.94%
Renters with high rent for their income
54% ▼4 points below the county
58%
57%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Honolulu County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Pearl City
For a typical $901,500 home in Pearl City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pearl City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$7,126a month
Above the FHA limit for Honolulu County ($828,000)
Down payment
$31,553
Cash to close
$58,598
Rate
7.18%
Mortgage insurance
FHA MIP · $544
Conventional, 5% down$6,816a month
Least cash to close
Down payment
$45,075
Cash to close
$72,120
Rate
7.18%
Mortgage insurance
PMI · $428
Conventional, 20% down, no PMI$5,472a month
Down payment
$180,300
Cash to close
$207,345
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$6,305a month
Down payment
$135,225
Cash to close
$162,270
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Pearl City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Honolulu County ($828,000)
$7,126
$31,553
$885,172
7.18%
FHA MIP · $544
$58,598
580
Conventional, 5% down Least cash to close
$6,816
$45,075
$856,425
7.18%
PMI · $428
$72,120
620*
Conventional, 20% down, no PMI
$5,472
$180,300
$721,200
7.18%
None
$207,345
620*
ITIN, 15% down (example)
$6,305
$135,225
$766,275
8.18%
None
$162,270
Set by the lender
The option that asks for the least cash to close is Conventional, 5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Pearl City is $2,316 a month: 11% above the county. In Pearl City, 54% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Honolulu County, by unit size. To pay the 2-bedroom one ($2,542 a month) without spending more than 30% of your income, you would need to earn $48.88 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Honolulu County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,836
$35.31
$73,440
1 bedroom
$1,951
$37.52
$78,040
2 bedrooms
$2,542
$48.88
$101,680
3 bedrooms
$3,520
$67.69
$140,800
4 bedrooms
$4,249
$81.71
$169,960
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Pearl City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pearl City has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,360 in 96701 to $2,680 in 96782.
1 of the 2 is above the fair market rent for Honolulu County ($2,542).
Fair market rent by ZIP code and size in Pearl City, fiscal year 2027.
96701
$1,700
$1,810
$2,360
$3,270
$3,940
96782
$1,940
$2,060
$2,680
$3,710
$4,480
ZIP code2 bd3 bd
96701 $2,360$3,270
96782 $2,680$3,710
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pearl City when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 9 HUD-approved agencies with an office in Honolulu County; 2 say they serve in Spanish.
1 program is for Pearl City or Honolulu County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in Hawaii: they work in Pearl City the same as in the rest of the state.
City and County of Honolulu loan, with federal HOME funds, of up to $40,000 at 0% and with no fees, for the down payment only, repaid over 20 years; for first-time buyers on Oʻahu with incomes up to 80% of the area median who put down at least 5% of the price.Offered by City and County of Honolulu Department of Community Services (DCS).
Hawaii state corporation 30-year fixed mortgage for first-time buyers, with optional down payment assistance whose terms the agency has not yet published.Offered by Hawaiʻi Housing Finance & Development Corporation (HHFDC).
No legal help resource on our list is for Pearl City or Honolulu County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Pearl City and all of Honolulu County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Pearl City?
The typical home value in Pearl City is $901,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Honolulu County it is $897,500.
How much does it cost to rent in Pearl City?
Typical rent in Pearl City is $2,316 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Honolulu County is $2,542.
What is the FHA loan limit in Pearl City?
Pearl City uses the FHA limit for all of Honolulu County (2026): $828,000 for a one-unit home and $1,592,350 for a four-unit home.
How much property tax do owners pay in Pearl City?
The typical homeowner in Pearl City pays $2,480 a year, according to the U.S. Census Bureau. That is 0.28% of the home’s value; in Honolulu County, the rate is 0.28%.
Where can I find free help to buy or rent in Pearl City?
There are 9 HUD-approved counseling agencies with an office in Honolulu County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
