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Area data

Pearl Harbor, HI — ZIP 96860

Population: 4,710 (Census ACS)

FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively High, with inlandflooding, lightning, earthquake the top-rated hazards. Cost of living is 10.0% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

Home values & appreciation

House Price Index (state)
384.1 (-0.6% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Rents

Studio fair-market rent
$2,250/mo
1BR fair-market rent
$2,420/mo
2BR fair-market rent
$3,180/mo
3BR fair-market rent
$4,410/mo
4BR fair-market rent
$5,330/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (High)
110.0 (100 = US avg)
Electricity rate (state-level)
40.6¢/kWh
Natural gas rate (state-level)
$52.40/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively High
Top hazards (county)
inlandFlooding, lightning, earthquake, landslide, tsunami
Notable hazard ratings (county)
coastalFlooding: Relatively Moderate · earthquake: Relatively High · hurricane: Relatively Low · iceStorm: Relatively Moderate · inlandFlooding: Very High · landslide: Relatively High
Wildfire risk to homes (county)
Higher than 99% of US counties
Buildings in wildfire direct-exposure zone
8.2%
Radon potential (county)
Low radon potential — EPA Zone 3 of 3
EPA Superfund (NPL) sites within 5 mi
None
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

USDA plant hardiness zone
12b (extreme annual low 55 to 60°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
31
Days with Good air quality
360
Days with Moderate air quality
6
Highest AQI recorded (year)
85

Source: EPA air quality data (nearest monitoring station, annual)

Amenities

Hospitals nearby (~15 mi)
1
Hospitals include
Tripler AMC (FT Shafter)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Housing stock

Housing built before 1970
100.0%
Housing built 2000 or later
0.0%
Mean commute to work
14 min

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
356,164
Average weekly wage
$1,238
Top industries (by employment)
Accommodation & Food, Health Care, Construction
Annual residential building permits (county)
1,638

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is typical rent in ZIP 96860?
2-bedroom fair-market rent: $3,180/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 96860?
Overall risk: Relatively High (FEMA NRI, county-level). Top hazards: inlandFlooding, lightning, earthquake, landslide, tsunami.
What is the wildfire risk in ZIP 96860?
Risk to homes is higher than 99% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 96860?
Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 96860?
No current or proposed National Priorities List sites within 5 miles (EPA).
What is the air quality in ZIP 96860?
Good. Median AQI: 31. (EPA AQI).
What is the cost of living in ZIP 96860?
Regional Price Parity: 110.0 (100 = US average) (High) (BEA RPP, metro/state-level).

Selling a home in Pearl Harbor, HI?

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents