What is the cost of living in Pearl City, HI?
According to the most recent data on the cost of living, Pearl City has an overall cost of living index of 189, which is 1.9x higher than the national index of 100.
Compared to Hawaii, Pearl City has a cost of living index that's 1.2x higher than Hawaii's index of 163.
The standard of living in Pearl City ranks as #39 most affordable out of the 52 places we measured in Hawaii. By definition, that implies Pearl City ranks as the #13 most expensive place in the Aloha State.
For more reading on life in Pearl City, check out:
Pearl City Cost Of Living Vs. Hawaii
Six factors go into calculating the cost of living index in Pearl City. Here is how it fares on each of the criteria:
The Services index in Pearl City is 125.
The Groceries index in Pearl City is 121.
The Health index in Pearl City is 337.
The Housing index in Pearl City is 122.
The Transportation index in Pearl City is 124.
The Utilities index in Pearl City is 128.
| Living Expense | Pearl City | Hawaii | National Average |
|---|---|---|---|
| Overall | 189 | 163 | 100 |
| Services | 125 | 124 | 100 |
| Groceries | 121 | 118 | 100 |
| Health | 337 | 253 | 100 |
| Housing | 122 | 123 | 100 |
| Transportation | 124 | 132 | 100 |
| Utilities | 128 | 128 | 100 |
Pearl City Cost Of Living Compared To Hawaii Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Hawaii, check out:
Protect your home budget Compare home warranties in Pearl City Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Pearl City, HI Housing Cost Breakdown
Housing swings affordability the most between places in Hawaii, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Pearl City is $944,248.
The Median Rent in Pearl City is $2,316.
The Median Income in Pearl City is $118,112.
The Home Value To Income in Pearl City is 8.0x.
The Rent To Monthly Income in Pearl City is 0.24x.
| Statistic | Pearl City | Hawaii | United States |
|---|---|---|---|
| Median Home Value | $944,248 | $832,966 | $332,700 |
| Median Rent | $2,316 | $1,971 | $1,413 |
| Median Income | $118,112 | $100,389 | $80,734 |
| Home Value To Income | 8.0x | 8.3x | 4.1x |
| Rent To Monthly Income | 0.24x | 0.24x | 0.21x |
Pearl City, HI Costs By Category
Detailed Pearl City Services costs vs. Hawaii
| Item | Pearl City | Hawaii |
|---|---|---|
| Shampoo | $1.73 | $1.28 |
| Movie | $15.08 | $12.13 |
| Bowling | $25.33 | $18 |
| Haircut | $19.47 | $24.26 |
| Beauty Salon | $76.67 | $45.56 |
Detailed Pearl City Groceries costs vs. Hawaii
| Item | Pearl City | Hawaii |
|---|---|---|
| Ground Beef | $5.42 | $5.84 |
| Fried Chicken | $2.85 | $1.57 |
| Milk | $5.38 | $4.67 |
| Potatoes | $5.94 | $4.93 |
| Pizza | $14.99 | $12.09 |
| Beer | $12.01 | $10.41 |
| Toothpaste | $3.68 | $3.7 |
Detailed Pearl City Health costs vs. Hawaii
| Item | Pearl City | Hawaii |
|---|---|---|
| Optometrist | $236.67 | $125.68 |
| Doctor | $191.36 | $135.78 |
| Dentist | $114.44 | $113.29 |
Detailed Pearl City Transportation costs vs. Hawaii
| Item | Pearl City | Hawaii |
|---|---|---|
| Gasoline | $4.8 | $3.46 |
| Tire Balancing | $75.37 | $59.92 |
Detailed Pearl City Utilities costs vs. Hawaii
| Item | Pearl City | Hawaii |
|---|---|---|
| All Electricity | $359.53 | $193.99 |
| Phone | $184.47 | $192.25 |
