Pearl, HI

Very High · 201

Hawaii · Population 45,079 · Updated March 2026

$2,338
Median Rent / Month
$114,682
Median Income
$872,200
Median Home Value
$2,165
Owner Costs / Month

Affordability

How far your income goes in Pearl

24.5%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Hawaii

State-level tax rates that affect your costs

11.0%
Income Tax (Top Rate)
4.0%
Sales Tax
0.32%
Property Tax Rate

Estimated Annual Costs

$28,056
Annual Rent
$12,615
State Income Tax
$2,791
Property Tax (est.)

Cost of Living Overview

Pearl has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 201 (where 100 equals the national median), Pearl residents can expect to pay median rent of $2,338/month while earning a median household income of $114,682/year.

The median home value in Pearl, HI is $872,200, with typical monthly owner costs around $2,165 including mortgage, insurance, and taxes. The median rent-to-income ratio of 24.5% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Hawaii's top income tax rate of 11.0% is among the highest in the nation, adding to the overall cost burden. Combined with a 4.0% sales tax rate and 0.32% effective property tax rate, the overall tax environment is a factor in the total cost of living in Pearl.

Frequently Asked Questions

Common questions about living costs in Pearl

What is the cost of living in Pearl, HI?
The cost of living index in Pearl, HI is 201 (US average = 100). Median monthly rent is $2,338, median household income is $114,682/year, and the median home value is $872,200.
Is Pearl, HI affordable?
No, Pearl is more expensive than the national average with a cost index of 201. The rent-to-income ratio is 24.5%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Pearl, HI?
The median gross rent in Pearl, HI is $2,338 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $28,056.
What is the median household income in Pearl?
The median household income in Pearl, HI is $114,682 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Hawaii?
Hawaii has a top income tax rate of 11.0%, a sales tax of 4.0%, and an effective property tax rate of 0.32%.