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Pearl City, HI Utility & Living Guide
Pearl City is an unincorporated community and census-designated place (CDP) in the ʻEwa District and City & County of Honolulu on the island of Oʻahu, in the U.S. state of Hawaii. As of the 2020 census, the CDP had a population of 45,295. Pearl City sits along the north shore of Pearl Harbor. Waimal
Monthly Utility Costs
$200/mo
—
$60/mo
$30/mo
$70/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1400/mo |
| 2 Bedrooms | $1800/mo |
| 3 Bedrooms | $2400/mo |
| Median Home Price | $640,000 |
| Property Tax Rate | 1.1% |
| Avg Childcare/mo | $1200 |
The housing market in Pearl City is competitive, with a mix of older and newer homes available. Prices have been rising in recent years due to the area’s popularity. Renters can expect to pay a premium for properties in desirable locations.
Cost of Living
120
+20% above national average
110
105
105
$1200
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 4.166% |
| Property Tax Rate | 1.1% |
| <p>State 4.166% + No County tax + No City tax</p> | |
Hawaii has a state income tax with rates ranging from 1.4% to 11%
Family & Relocation
60
7.5/10
$1200/mo
City Pulse
Pearl City has a limited public transportation system, but the area is relatively walkable and bikeable, with some stroller-friendly sidewalks and paths
- Pearl City Elementary School
- Pearl City Community Park
- USS Arizona Memorial
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Pearl City based on your household profile.
📰 Live Local News
Pearl City has regulations in place to preserve its natural environment and historic character, including restrictions on new development and zoning laws
Financial Tools
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
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📊 Pearl City — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
In Pearl City, utility costs tend to be higher in the summer months due to the need for air conditioning, with average electricity bills increasing by 10-20% from June to September. In the winter months, utility costs are relatively stable, with minimal need for heating.
🏛️ Local Tax Details
The ZIP code 96782, which includes Pearl City, has a property tax millage rate of 1.1%, with no local surtaxes
👶 Family & Stroller Friendliness
8/10, with wide sidewalks, accessible parks, and relatively flat terrain, making it easy to navigate with a stroller, although some areas may have limited elevator access in public transportation
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