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.

Pearl City is home to a number of people employed in the armed forces. When you visit or walk around Pearl City, some of the people you will bump into will be military people In and out of uniform, jogging, shopping and generally out and about town.

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.

Telecommuters are a relatively large percentage of the workforce: 7.79% of people work from home. While this number may seem small overall, as a fraction of the total workforce it is high relative to the nation. 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 citizens of Pearl City are very well educated compared to the average community in the nation: 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.

Foreign born people are also an important part of Pearl City's cultural character, accounting for 15.45% of the town’s population.

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