Earphones or headphones on personal music players can reach noise levels similar to those of jet engines, the researchers said.
Noises louder than 110 decibels are known to cause hearing problems such as temporary deafness and tinnitus (ringing in the ears), but the University of Leicester study is the first time the underlying cell damage has been observed.
The study has been published in the Proceedings of the National Academy of Sciences.
University of Leicester researcher Dr Martine Hamann of the Department of Cell Physiology and Pharmacology, who led the study, said: