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Featured local agent — Pearl City, HI
Sarah Mitchell
Compass Real Estate · Pearl City, HI
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Pearl City, HI Housing Market
The typical home in Pearl City, HI is worth $936,391, rose 1.6% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $693,500, +3.5% year over year (through May 2026). With 3.5 months of supply and homes going under contract in about 66 days, Pearl City is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $936,391 home is about $4,999/mo in principal and interest.
Key numbers for Pearl City, HI
Typical home value
$936,391
+1.6% in 12 months
Zillow, August 2026
Typical asking rent
$2,488/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$693,500
+3.5% year over year
Redfin, through May 2026
Days on market
66
Slow-moving
Redfin, through May 2026
Active listings
56
3.5 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$114,682
Home costs 8.2x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.5%
Selling above asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Pearl City a buyer's or seller's market?
Pearl City, HI is a balanced market, based on 3.5 months of supply and homes selling in about 66 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Pearl City housing market data show?
Every row below is Redfin's final published month for Pearl City, HI. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $693,500 |
| Median list price | $795,000 |
| Year-over-year price change | +3.5% |
| Median price per sq ft | $543/sq ft |
| Median days on market | 66 days |
| Active inventory | 56 listings |
| Months of supply | 3.5 months |
| Sale-to-list price ratio | 100.5% |
| Homes sold (that month) | 16 |
| New listings (that month) | 23 |
| Listings with a price cut | 19.6% |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Pearl City is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Pearl City is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Pearl City home prices moved?
Over the last three years the median sale price in Pearl City, HI fell 22.9%, from $899,500 to $693,500. The live Zillow value series has rose 1.6% in the last 12 months, which is the more current read now that Redfin's series has stopped. 19.6% of Pearl City listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 3.5 months while the sale-to-list ratio slips below its current 100.5%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Pearl City?
Priced off the typical home value of $936,391 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $187,278 | $749,113 | $4,999/mo |
| 5% | $46,820 | $889,572 | $5,936/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $4,999, that implies roughly $214,242 a year before you add taxes and insurance. The median household in Pearl City earns $114,682, about $99,560 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 8.2x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Pearl City in the next 12 months?
Tell us your timeline. We send the Pearl City market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Pearl City?
Typical asking rent in Pearl City, HI is $2,488/mo, against a typical home value of $936,391. That is a price-to-rent ratio of 31.4x, which means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Compared head to head, 20% down puts principal and interest at $4,999 a month — $2,511 more than renting before taxes and insurance, so the ownership case here rests on equity and appreciation rather than monthly cash flow.
Zillow, August 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Pearl City?
Active listings in Pearl City, HI went from 85 in May 2025 to 56 in May 2026, a -34.1% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 75 | 22 |
| July 2025 | 76 | 29 |
| August 2025 | 78 | 20 |
| September 2025 | 73 | 23 |
| October 2025 | 72 | 24 |
| November 2025 | 77 | 20 |
| December 2025 | 70 | 12 |
| January 2026 | 69 | 17 |
| February 2026 | 65 | 19 |
| March 2026 | 66 | 21 |
| April 2026 | 54 | 14 |
| May 2026 | 56 | 23 |
Redfin, through May 2026
How does Pearl City compare to Hawaii and the U.S.?
Pearl City homes sell for $693,500 — 6% below the Hawaii median of $741,300. Against the national median of $410,700, Pearl City runs 69% higher. Year-over-year, Pearl City moved +3.5% against Hawaii's -0.3% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Pearl City, HI | $693,500 | +3.5% | 66 days |
| Hawaii statewide | $741,300 | -0.3% | 86 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Pearl City
What buyers should watch
- Months of supply, currently 3.5. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 19.6%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $937 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $936,391 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Pearl City listing goes under contract in 66 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 100.5% of asking. Price at the number you want and let competition do the rest.
- In the last published month Pearl City added 23 new listings against 16 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +1.6% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Pearl City varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Pearl City
There are currently 56 homes listed for sale in Pearl City, Hawaii. The median listing price is $795K.
Active listings
56
Homes on market
Median list price
$795K
Avg. days on market
66
Days until sale
New this week
23
Newly listed
How much do homes cost in Pearl City by property type?
How the Pearl City, HI market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $1.15M | $649/sq ft | 7 | 56 days |
| Condo / co-op | $547,000 | $512/sq ft | 9 | 92 days |
| Townhouse | $799,000 | $651/sq ft | 1 | 213 days |
Who lives in Pearl City?
American Community Survey estimates for Pearl City. U.S. Census ACS, 2023
Population
45,079
Households
14,945
Median income
$114,682/yr
Median age
45 years
Owner-occupied
70.7%
Median home value
$872,200
Median gross rent
$2,338/mo
Mean commute
27 min
70.7% of occupied homes in Pearl City are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $872,200 against Zillow's $936,391 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $2,338/mo, below Zillow's $2,488/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Pearl City?
9 schools tracked · 5,017 students
The largest public schools serving Pearl City, HI by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Pearl City High School
Grades 9-12 · 1,418 students
Highlands Intermediate School
Grades 7-8 · 842 students
Pearl City Highlands School
Grades PK-6 · 551 students
Waiau Elementary School
Grades PK-6 · 479 students
Momilani Elementary School
Grades PK-6 · 407 students
Pearl City Elementary School
Grades PK-6 · 405 students
Palisades Elementary School
Grades PK-6 · 386 students
Manana Elementary School
Grades PK-6 · 275 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Pearl City, HI?
Ordered by distance from Pearl City, not by size. Compare Pearl City side by side with any of them.
Pearl City housing market FAQ
Is Pearl City a buyer's or seller's market?
Pearl City, HI is currently a balanced market. That read comes from 3.5 months of supply, homes going under contract in about 66 days, and sellers getting 100.5% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Pearl City?
The typical home in Pearl City, HI is worth $936,391 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $693,500, about $543 per square foot.
Is Pearl City cheaper than the rest of Hawaii?
Pearl City's median sale price of $693,500 is 6% lower than the Hawaii statewide median of $741,300, and 69% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Pearl City?
Homes in Pearl City, HI spent a median of 66 days on market before going under contract, versus 86 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Pearl City?
At the current 30-year fixed rate of 7.03%, 20% down on a $936,391 home is about $4,999 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $214,242 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $114,682.
Are home prices rising in Pearl City?
The typical home value in Pearl City, HI rose 1.6% over the last 12 months, from $921,233 to $936,391 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Pearl City?
Pearl City ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Pearl City?
That depends on your timeline, not on a headline. What the data says today: Pearl City, HI is a balanced market with 3.5 months of supply, the 30-year fixed rate is 7.03%, and the price-to-rent ratio of 31.4x means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Properties Incorporated publishes the data; it does not give financial advice.
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