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Place dossier plate
SheetHI-PEARL-HI · Pearl, HI 45,079 pop · income 85th pct
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around Pearl
Lowest/highest poles plus peers nearest Pearl on median household income. Full ladder: /browse and /rankings.
median HH income
Sherman · lowest
60,935
Sherman · lowest
60,935 median HH income
38.1% of the leader · rank #1
Monument · near
114,654
Monument · near
114,654 median HH income
71.8% of the leader · rank #2
Oak Grove · near
114,679
Oak Grove · near
114,679 median HH income
71.8% of the leader · rank #3
Pearl · this city
114,682
Pearl · this city
114,682 median HH income
71.8% of the leader · rank #4
St. Rose · near
114,688
St. Rose · near
114,688 median HH income
71.8% of the leader · rank #5
Cornelius · near
114,688
Cornelius · near
114,688 median HH income
71.8% of the leader · rank #6
Morgan Hill · highest
159,758
Morgan Hill · highest
159,758 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income
Out-of-state nearest neighbors for Pearl on ACS population and median household income
. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 45,079.
Out of every US city with 1,000+ residents, Pearl places in the 85th percentile for household income. Source: Census ACS.
85th
percentile, household income
96th
percentile, home value
99th
percentile, median rent
📝 How we sourced this
Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.
Data Snapshot: Pearl, HI
45,079 people live in Pearl, Hawaii - a small city by U.S. Census Bureau ACS 2023 estimates. Households in Pearl report a median income of $114,682 per year, placing it in the top quartile of U.S. cities for household income, with a poverty rate of 4.3%. Pearl's housing stock carries a median value of $872,200, and the median resident age is 45.0 years. 37.0% of adults here have a bachelor's degree or higher; 56.5% of working-age residents are in the labor force.
Hawaii carries a cost-of-living premium: on BEA's 100-equals-national-average cost index, Hawaii scores 110.0 (Well Above Average), per the 2024 Regional Price Parities release. HUD Fair Market Rent for a typical two-bedroom in this state is $2,433 per month. Statewide, average monthly utility bills in Hawaii run around $280, per EIA 2023 residential energy data. Workers in Pearl report an average commute of 24.9 minutes, with 72.2% driving alone and 7.8% working from home. FEMA's National Risk Index rates natural-hazard exposure at 75.0 out of 100 (High).
A decision-led reading path
Useful questions to ask of Pearl's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from comparison shortlist to work and mobility to housing and income; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Pearl, city-specific coverage includes commute-mode shares.
No matched row is reported here for local building permits, FBI reported-crime rates, matched public-school count, annual population history, within-city Census tract profiles; the page leaves those layers out instead of substituting a statewide or national value.
Question 1
Which cities make useful reference points for Pearl?
Within Hawaii, the closest population matches are Hilo (48,223 residents, $78,713 income); Waipahu (39,871 residents, $98,633 income); Kailua CDP (Honolulu County) (39,762 residents, $146,615 income). Outside the state, the closest population matches in this dataset are Littleton, CO (45,092 residents); Bountiful, UT (45,093 residents); Sherman, TX (45,036 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching.
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. No single mode completely explains the work trip here. The mix is more useful than a one-number commute grade, especially when comparing places where transit, walking, and remote work divide the non-driving share differently.
Driving alone is the largest reported mode at 72.2%. The reported mean trip to work is 24.9 minutes.
How far does income reach against housing in Pearl?
The home-value-to-income reference is comparatively stretched: the ACS median home value is 7.6 times median household income. The ACS poverty estimate is 4.3%, which keeps the citywide median from describing every household.
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Housing value is high relative to the citywide income median. That flags a question for comparison, not a verdict: tenure, household composition, financing costs, and the age of the ACS estimate can all change what a resident actually pays.
Highest-decile cost · BEA RPP 2024, Hawaii average
C
City profile score · Pearl, HI
59/100
4 published dimensions · ACS/FBI 2023
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Household income A-
$114,682
Median household income vs U.S. cities (pop ≥1,000); ACS.
Poverty rate B
4.3%
Share of residents below the poverty line; lower scores better on this axis.
Bachelor's+ share B
37.0%
Adults with a bachelor's degree or higher; ACS.
Cost of living F
110.0 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
Violent crime N/A
N/A
No FBI UCR violent-crime rate for this place (coverage is incomplete).
Pearl profile (scored ACS/FBI dimensions)Read the chart values
Household income: 83/100 (A-) · $114,682
Poverty rate: 70/100 (B) · 4.3%
Bachelor's+ share: 70/100 (B) · 37.0%
Cost of living: 8/100 (F) · 110.0 index
How does Pearl compare to other US cities?
Pearl measured against every US city with 1,000+ residents, computed live from the same Census and FBI data shown throughout this page.
Household income85% higher than other cities
Home value96% pricier than other cities
Median rent99% pricier than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
How we calculate these percentiles & ranks
Each percentile compares Pearl against every qualifying US city; each in-state rank narrows that to Hawaii only. Full formula and direction notes: methodology.
Hawaii-relative analysis
Median Gross Rent places Pearl near the bottom of Hawaii's cities
Among the 160 Hawaii cities PlainCities tracks with reported median gross rent data, Pearl ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Pearl only against its own state's cities, not the full US field.
Median Household Income
#42 of 155
73rd percentile in Hawaii
Median Gross Rent
#1 of 160
0th percentile in Hawaii
Median Home Value
#48 of 150
68th percentile in Hawaii
Poverty Rate
#112 of 160
29th percentile in Hawaii
Bachelor's Degree or Higher
#49 of 160
69th percentile in Hawaii
How in-state ranks are ordered
Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Hawaii only, not a livability score. See the methodology for the source and calculation.
Gauge source note
85th percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.
How Pearl's home value compares nationally
Median home value vs. every US city (population 1,000+)
$872,2004th percentilemore affordable than 4% of 15,600 US cities
Show national distribution
Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau ACS 5-Year Estimates · 2023
Pearl's home-value-to-income ratio: 7.6×
ACS median home value divided by median household income.
Band
pressured
> 5.0×
National rank
#14,909 of 15,516
More affordable than 4% of tracked cities (pop. 1,000+)
Size class
#3,172 of 3,317
Small cities (10,000–49,999)
At 7.6×, Pearl sits in the pressured band:
national rank #14,909 of 15,516 and #3,172 of 3,317small cities (10,000–49,999).
Housing value is high relative to the citywide income median, a comparison flag, not a verdict on any household.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$114,682Pearl, HI median household income (Census ACS)
Show U.S. national quintile / Lorenz context Pearl, HI median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Pearl, HI.
Key socioeconomic indicators
Bachelor's degree or higher (adults 25+)37.0%
Census ACS S1501, educational attainment
Poverty rate (households below FPL)4.3%
Census ACS S1701, poverty status
Labor force participation (adults 16+)56.5%
Census ACS S2301, share of working-age residents in the labor force
Population
45,079
Median Income
$114,682
Median Home Value
$872,200
Median Age
45.0
Poverty Rate
4.3%
Labor force participation
56.5%
Bachelor's Degree+
37.0%
Commute Patterns
Commute source
How workers travel to work, Census ACS 2023
Average Commute Time
24.9 minutes
Drive Alone
72.2%
Carpool
13.5%
Public Transit
3.0%
Walk
1.9%
Work from Home
7.8%
Other
1.6%
Based on 22,157 workers 16 and over.
Monthly Utility Costs
Hawaii statewide monthly utility average (EIA 2023): $280
EIA 2023 residential energy data puts average monthly utilities across Hawaii at $280 (electricity about $220 , water and sewer about $60 ).
These are Hawaii statewide averages, not a meter reading for Pearl. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
Hawaii's BEA cost-of-living index is 110.0 (Well Above Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Pearl is $2,433/mo. FEMA's National Risk Index, averaged to Hawaii statewide on PlainCities, rates natural-hazard exposure at 75.0 / 100 (High).
Cost/risk geography note
Cost of living is a Hawaii statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Pearl sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Pearl compares to similar-size Hawaii cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
Source: U.S. Census Bureau ACS 5-Year 2023, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.