Pearl City cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexPearl CityHawaiiNational
Cost of living index188179100
IndexPearl CityHawaiiNational
Goods & Services index122126100
Groceries index154156100
Health care index110111100
Housing index288247100
Transportation index153153100
Utilities index217227100
Displayed above is a general overview of the Pearl City, HI cost of living index. The overall cost of living index in Pearl City, HI is 188, which is 5% higher than the Hawaii average and 88% higher than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in Pearl City, HI are 3% lower than the Hawaii average and 22% higher than the national average.

Did you know?

  • The cost of living in Pearl City is 5% higher than the Hawaii average.
  • The cost of living in Pearl City is 88% higher than the national average.
  • The cost of housing in Pearl City is 188% higher than the national average.
  • Hawaii general sales tax is 21% lower than the national average.
  • Hawaii state income tax is 37% lower than the national average.

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Compare Pearl City, HI Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current salary in Pearl City, HI to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Pearl City, HI, then you would need to earn more income in order to maintain the same standard of living. To use the Pearl City, HI salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$97,811$8,151$2,282$2,935
Renters$52,948$4,412$1,235$1,589
One can approximate the cost of living and the housing affordability in Pearl City, HI by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in Pearl City, HI have a median income of $97,811. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,282 per month to avoid calamity and poverty. The renters in the city have an income of about $52,948, which would make their monthly maximum allowable rental costs $1,235.

Hawaii Sales Tax

StateGeneral Sales TaxWith Max Surtax
Hawaii4%4.5%

Hawaii Income Tax

StateIncome Tax (Low)Income Tax (High)
Hawaii1.4%11%
When considering the overall cost of living expenses in Pearl City, HI, it's important to take into account the sales tax for Hawaii, as well as the rate for income tax in Hawaii. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Hawaii is 4.5%, and the sales tax in the state of Hawaii is 4%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Hawaii starts from 1.4% and goes up to 11%.

Goods & Services

ItemPearl CityNational avg.Difference
Haircut $15.80$14.598.3%
Beauty Salon $51.00$34.6847.1%
Toothpaste $3.69$2.4749.2%
Shampoo $1.52$1.0248.7%
Movie $11.30$9.8714.5%
Bowling $3.60$4.3918.0%

Groceries

ItemPearl CityNational avg.Difference
Ground Beef $4.97$4.4811.0%
Fried Chicken $2.19$1.4649.6%
Milk $3.67$2.3655.7%
Potatoes $6.48$3.06111.7%
Pizza $11.99$9.2429.7%
Beer $8.69$8.630.7%

Health Care

ItemPearl CityNational avg.Difference
Optometrist $159.23$99.7859.6%
Doctor $119.55$105.0313.8%
Dentist $101.93$88.7014.9%
Ibuprofen $13.62$9.4144.7%
Lipitor $223.59$298.5025.1%

Housing

ItemPearl CityNational avg.Difference
Home Price $578,700.00$175,700.00229.4%
Avg. Mortgage Payment $3,260.98$1,081.03201.7%
Apartment Rent $1,773.00$920.0092.7%

Transportation

ItemPearl CityNational avg.Difference
Gasoline $3.35$2.0960.0%
Tire Balancing $60.40$45.2933.4%

Utilities

ItemPearl CityNational avg.Difference
All Electricity$509.58$170.80198.4%
Phone $28.95$28.262.5%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Makaha Valley, HI1,30713232%
Nanakuli, HI12,18114747%
Waianae, HI12,69415151%
Kailua, HI12,72715555%
Waipio Acres, HI4,80715757%
Pearl City, HI47,27718888%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Dunwoody, GA47,18212626%
East Providence, RI47,16611818%
Mansfield, OH47,15080-20%
Roseville, MI47,40884-16%
Portage, MI47,13788-12%
Pearl City, HI47,27718888%
Source: The Pearl City, HI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.