The median home in Pearl City, Hawaii is valued at $917,390, up 0.9% year over year. Typical monthly rent is $2,421, producing a price-to-rent ratio of 31.6x — well above the national average of 18x. Pearl City is part of the Urban Honolulu, HI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$917,390

+0.9%

Rent$2,421/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Pearl City.

Income (annual)

Down Payment

$183,478 on $917,390

Example: $75,000 household income. Change it above to see your own.

Out of reach79.2% of income

Need $212,271/yr to afford.

PITI$4,953

P/I79.2%

Afford$324K

Gap-$593K

P&I $4,639Tax $214Ins $100

Renting $2,532/mo cheaper ($2,421 rent)6.50% 30yr, 20% down, county tax + HI ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Hawaii

Compare Pearl City with other housing markets across Hawaii.

Hanalei$3.2M Puako$2.15M Kilauea$1.71M Haleiwa$1.61M Kailua$1.47M Princeville$1.4M Kula$1.31M Paia$1.29M

Full Urban Honolulu, HI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Urban Honolulu, HI metro.

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Pearl City, HI