How Much Is a Pearl Necklace Worth
A pearl necklace is a timeless piece that never goes out of style, given its versatility. However, its value depends on many factors, including the type of pearl, size, luster, and craftsmanship.
In this detailed guide, we explain everything that determines how much a pearl necklace is worth.
Types of Pearls
Different pearl types have different characteristics and price ranges. Knowing which kind you have or plan to buy is the first step toward understanding a pearl necklace’s cost.
Akoya Pearls
Akoya pearls are known for their perfect round shape and bright mirror-like shine. Cultured mainly in Japan and China, they are classic white pearls often used in fine jewelry. Prices range from $300 to $10,000, depending on luster and size.
Freshwater Pearls
Freshwater pearls are the most common and affordable. Grown in mussels rather than oysters, they come in many shapes and colors. Their price varies from $40 to $2,000, with top-quality strands displaying rich luster and uniform shape. Freshwater pearls are used in a wide range of jewelry. Check out this amazing collection of pearl jewelry, including trendy waterproof pieces, from the popular handcrafted jewelry brand, bubs & sass.
Tahitian Pearls
Tahitian pearls are famous for their dark, exotic tones. Found in French Polynesia, these pearls come in black, green, gray, and peacock shades. Their prices typically range from $500 to $20,000. Perfectly round Tahitian pearls with rich colors and high shine are the most valuable.
South Sea Pearls
South Sea pearls are among the largest and rarest. Cultured in Australia, Indonesia, and the Philippines, they have a soft glow and thick nacre. Prices start at $1,000 and can exceed $100,000 for premium strands.
Baby (Seed) Pearls
Baby pearls, also known as seed pearls, are very small pearls, usually around 1 to 3 millimeters in diameter. These delicate pearls are often used for minimalist jewelry, like the Baby Pearl Necklace by bubs & sass.
They are generally cultured freshwater pearls, chosen for their subtle beauty and refined size. Baby pearl necklaces are prized for their dainty and elegant look rather than their rarity.
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Price Range: Typically $40 to $500, depending on craftsmanship, luster, and materials.
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Design Use: Perfect for layering with initials or pendants, as seen in handcrafted collections like bubs & sass.
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Durability: When paired with stainless steel or gold-plated settings, they resist tarnish and last for years.
While small, these pearls are genuine and handcrafted, making them a charming and affordable option for everyday wear.
Factors That Determine a Pearl Necklace’s Worth
Each pearl’s characteristics affect the final price. Understanding these features helps when buying or appraising a necklace.
1. Luster
Luster is the shine that makes pearls glow. High-luster pearls reflect light sharply, while low-luster ones look dull. The more radiant the surface, the higher the price.
2. Size
Size greatly influences value. A larger pearl takes longer to form and is rarer. For example, a 10 mm Akoya pearl will cost much more than a 6 mm one.
3. Shape
Round pearls are the most valuable. Near-round or baroque shapes cost less but offer artistic charm and individuality.
4. Surface Quality
The fewer the blemishes, the higher the worth. Pearls with clean, smooth surfaces are considered top-grade. While small natural marks are acceptable, deep scratches lower a pearl’s value.
5. Color
Color affects beauty and demand. White, cream, gold, silver, and black are common. Rare shades like golden South Sea or peacock Tahitian pearls can be more expensive.
6. Matching and Uniformity
In a necklace, uniformity matters. A strand with pearls matching in size, tone, and luster holds higher value than one with visible variation.
How to Identify Real Pearls
Before assessing value, confirm authenticity.
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Tooth Test: Rub a pearl lightly against your teeth. A real pearl feels gritty, while fakes feel smooth.
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Luster: Real pearls show deep, layered shine.
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Shape and Surface: Real pearls are rarely perfect; slight variations prove authenticity.
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Drill Hole: Genuine pearls have neat drill holes with clean edges.
Brands like bubs & sass can be trusted, as they only use real freshwater pearls in their specially handcrafted jewelry pieces.
Average Pearl Necklace Prices
While pricing depends completely on the type of the pearl, it can also depend on the brand, the making process, and more.
Freshwater pearls are the most commonly used type in necklaces. The prices generally start around $40 and can go higher up depending on the design and the number of pearls used.
Regardless of how much a pearl necklace is worth, it will last you a long time with minimal but proper care. 
Vintage and Designer Pearl Necklaces
Vintage Pearls
Older pieces, especially those from the 1900s or mid-century, can be collectible. Their history, condition, and craftsmanship increase their worth, often ranging from $1,000 to $30,000, making them expensive.
Designer Pearls
Designer brands produce high-end pearl jewelry, but these are almost unaffordable to many. A single strand can cost between $2,000 and $50,000, depending on the pearl type and design.
Natural vs. Cultured Pearls
Natural Pearls
Formed without human help, natural pearls are extremely rare and valuable. A single natural pearl necklace can reach hundreds of thousands of dollars.
Cultured Pearls
Most modern pearls are cultured, that is, real, but formed with human guidance. They offer beauty, durability, and affordability, making them ideal for daily wear.
Caring for a Pearl Necklace
Good care protects both shine and value.
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Keep pearls away from perfume, lotions, and chemicals.
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Store them flat in a soft pouch, separate from other jewelry.
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Wipe gently after each wear with a clean cloth.
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Restring your necklace every two years to prevent breakage.
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Wear them often, as your skin’s natural oils enhance their luster.
Buying Tips for Pearl Necklaces
When purchasing a pearl necklace:
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Inspect in daylight to check true color and luster.
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Check clasps and metal quality for durability.
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Choose trusted jewelers like bubs & sass with clear return policies (although you won’t have a reason to return!).
Note: When you buy online from a trusted jeweler, you can invest without a worry and rest assured that you’re getting full value for your purchase.
Final Thoughts
The worth of a pearl necklace depends on its type, size, and shine. Whether it’s a rare South Sea piece or a charming baby pearl necklace like those from bubs & sass, each pearl has its own story and value.
With the right knowledge and care, your pearls can stay radiant for decades as a lasting blend of beauty, craftsmanship, and timeless appeal.