Pearl City is a medium-sized coastal town (i.e. on the ocean, a bay, or inlet) located in the state of Hawaii. With a population of 45,295 people and 16 associated neighborhoods, Pearl City is the third largest community in Hawaii.

Housing costs in Pearl City are among some of the highest in the nation, although real estate prices here don't compare to real estate prices in the most expensive communities in Hawaii.

There are many members of the armed forces living in Pearl City. You will notice when you visit or live here that some of the people you meet or see around town are employed by the armed services - even if they are not always in uniform.

Also of interest is that Pearl City has more people living here who work in computers and math than 95% of the places in the US.

One interesting thing about the economy is that relatively large numbers of people worked from their home: 7.79% of the workforce. While this number may seem small overall, as a fraction of the total workforce this is high compared to the rest of the county. These workers are often telecommuters who work in knowledge-based, white-collar professions. For example, Silicon Valley has large numbers of people who telecommute. Other at-home workers may be self-employed people who operate small businesses out of their homes.

Pearl City is also nautical, which means that parts of it are somewhat historic and touch the ocean or tidal bodies of water, such as inlets and bays. Such areas are often places that visitors and locals go for waterfront activities or taking in the scenery.

The population of Pearl City is very well educated relative to most cities and towns in the nation, where the average community has 21.84% of its adult population holding a 4-year degree or higher: 36.66% of adults in Pearl City have a bachelor's degree or even advanced degree.

The per capita income in Pearl City in 2022 was $46,626, which is wealthy relative to Hawaii and the nation. This equates to an annual income of $186,504 for a family of four.

Pearl City is an extremely ethnically-diverse town. The people who call Pearl City home describe themselves as belonging to a variety of racial and ethnic groups. The greatest number of Pearl City residents report their race to be Asian, followed by White. Important ancestries of people in Pearl City include German, English, Irish, Portuguese, and French.

In addition, Pearl City has a lot of people living here who were born outside of the US (15.45%).

The most common language spoken in Pearl City is English. Other important languages spoken here include Japanese and Pacific Island languages.