Cost of Living in Pearl, HI (2026)
Updated Jun 2026 (3 months ago) · Source: U.S. Census Bureau, U.S. Bureau of Economic Analysis, U.S. Energy Information Administration
Key facts
- Rent (1-bedroom)
- $1,145/month
- U.S. Census Bureau · 2024-12-31
- Median household income
- $118,112
- U.S. Census Bureau · 2024-12-31
- Regional price parity
- 110.0 (above national average)
- U.S. Bureau of Economic Analysis · 2024-12-31
- Utilities (monthly)
- $474/month
- U.S. Energy Information Administration · 2026-06-30
- Rent burden (of income)
- 12% (affordable)
- Derived from Census + HUD threshold · 2024-12-31
Can you afford this city?
- Groceries (est.)
- $457
- Monthly surplus
- $1,674
Salary needed to live here
- Gross per month
- $3,966
- Comfortable budget
- $2,776
Pearl, HI vs the US average
| Metric | Value | vs US avg |
|---|---|---|
Median household income (Census ACS 5-Year, Dec 2024) | $118,112 | +52% vs US |
Median home value (Census ACS 5-Year, Dec 2024) | $901,500 | +165% vs US |
Rent (1BR) (Census ACS 5-Year, Dec 2024) | $1,145 | -12% vs US |
Rent (2BR) (Census ACS 5-Year, Dec 2024) | $2,193 | +49% vs US |
Grocery cost index (BEA Regional Price Parities, Dec 2024) | 111.6 | +12% vs US |
Utilities (monthly) (EIA Electricity Retail Sales, Jun 2026) | $474 | +131% vs US |
Cost breakdown vs US average
What it costs to live in Pearl
Rent in Pearl runs $1,145 for a one-bedroom — about 12% below the national median of $1,300. The median household income here is $118,112, and a one-bedroom lease absorbs about 12% of that — leaving room under the 30% affordability threshold. The median home value of $901,500 is about 7.6× median income — well above the 3× rule of thumb, making ownership a stretch on a typical local salary. That's 165% above the U.S. median of $340,200. Utilities here run about $474/month — 131% above the national average of $205, driven by local climate and energy rates. Groceries here run 12% above the national index. Use the calculator above to see how far your income goes, with rent and utilities prefilled from the latest U.S. Census Bureau data.
Buying a home in Pearl?
Mortgage payment calculator
- Principal & interest
- $2,108
- Total interest
- $438,707
Estimate only — not financial, tax, or legal advice. Figures are illustrative and may not reflect your situation. Consult a qualified professional.
Cite this page
CostAlmanac US, *Pearl, HI — Cost of Living*, https://costalmanac.com/cost-of-living/pearl-hi
Data from U.S. government sources. See methodology for how every number is computed.