The value of a pearl can vary dramatically depending on many factors, such as pearl type, size, color, surface quality, and more. Generally, a wild pearl will be worth more than a cultured pearl.
Natural Pearls: Natural pearls grow in the wild without human intervention. They are very rare, and most natural pearls in the market today are antique.
Cultured Pearls: Cultured pearls are grown in pearl farms, and are the direct result of human intervention. The vast majority of pearls in the pearl/jewelry market are cultured pearls. Cultured pearls may be bead nucleated, tissue nucleated or otherwise non-bead cultured, and they are produced in both saltwater and freshwater mollusks.