Market Overview
Home Prices in Pearl City, HI
The median home value in Pearl City, HI is $943,925 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2% compared to a year ago and up 0.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Pearl City are priced130% above average. Pearl City is part of the Urban Honolulu, HI metro area.
Over the past five years, Pearl City home values have risen by approximately14.0%, reflecting steady appreciation in this market.
Price History
Pearl City Home Price Trend
City Comparison
Pearl City vs. National Median
At $943,925, homes in Pearl City cost 130% above the national median of $410,000. Buyers in Pearl City should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Pearl City?
20% Down Payment
$188,785
on $943,925
Monthly P&I
$4,923/mo
30-yr @ 6.8%
Total Monthly Est.
~$6,252/mo
incl. taxes & insurance
Income Needed
$250,080
gross annual (30% rule)
10% Down Option
$94,393
+ PMI applies
Loan Amount (20% dn)
$755,140
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Pearl City, HI?
The median home value in Pearl City is $943,925 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2% year-over-year.
How much have home prices changed in Pearl City?
Over the past year, home values in Pearl City have increased by 2%. Over five years, prices have risen approximately 14.0%.
How much do I need to earn to buy a home in Pearl City?
To comfortably afford the median home price of $943,925 with a 20% down payment ($188,785) at today's rates (6.8%), you'd need a gross annual income of approximately $250,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Pearl City compare to the national average home price?
The national median home value is approximately $410,000. At $943,925, homes in Pearl City are 130% above the national average.
What metro area is Pearl City part of?
Pearl City is part of the Urban Honolulu, HI metropolitan area. Home prices and market conditions can vary across the broader metro region.