Pearl Highlands Eviction Risk: Moderate

Pulling the other way is economic stress, at 1.6/10. The severe-burden share is 17%. Those renters are past the 50% mark, and they miss rent for reasons that have nothing to do with willingness to pay.

Cost burden runs 37% against 31.9% citywide, putting Pearl Highlands 5.4% over its own city. On the softer side is supply constraint, at 3/10. At $2,046 a month, rents sit 12% under what the rest of Pearl City commands.

5.1% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt. That places it #4 of 4 neighborhoods in Pearl City.

The closest comparables inside the same city are Waimalu and Luke Field. Poverty sits at 6%, low enough that arrears here usually reflect a specific shock rather than a structural income gap. Annual rent works out to 22% of average household income of $110,677.

31% of occupied units are renter-occupied.

Underwrite the address, not the area: with 2.5 points between its best and worst tract, the per-tract table below is the operative number. The number is rebuilt whenever its ACS, court-record, or statutory inputs change.