RB-23533
RB-23533
Current Hawaii
BAH Rates (Oahu)
Updated 2026 BAH rated for Oahu, JBPHH, Schofield, Camp Smith, FT Shafter, and MCBH - plus local insight on what these numbers mean for your PCS.
How to Use These Hawaii BAH Rates
These BAH rates reflect the current allowances for military members assigned to Oahu installations. Below you’ll find tables by rank and dependency status, followed by local insight on what these numbers actually mean in today’s housing market.
Current Oahu BAH Rates by Rank
Current as of January 2026
Enlisted Oahu BAH Rates
Enlisted with Dependents
E1 - $3,333.00
E2 - $3,333.00
E3 - $3,333.00
E4 - $3,333.00
E5 - $3,663.00
E6 - $3,912.00
E7 - $4,098.00
E8 - $4,302.00
E9 - $4,518.00
Enlisted Without Dependents
E1 - $2,598.00
E2 - $2,598.00
E3 - $2,598.00
E4 - $2,598.00
E5 - $2,856.00
E6 - $3,036.00
E7 - $3,348.00
E8 - $3,720.00
E9 - $3,783.00
Rank
E1
E2
E3
E4
E5
E6
E7
E8
E9
With Dependents Rate
$3,333.00
$3,333.00
$3,333.00
$3,333.00
$3,663.00
$3,912.00
$4,098.00
$4,302.00
$4,518.00
Without Dependents Rate
$2,598.00
$2,598.00
$2,598.00
$2,598.00
$2,856.00
$3,036.00
$3,348.00
$3,720.00
$3,783.00
Warrant Officer Oahu BAH Rates
Warrant Officer With Dependents
W1 - $3,930.00
W2 - $4,182.00
W3 - $4,434.00
W4 - $4,551.00
W5 - $4,692.00
Warrant Officer Without Dependents
W1 - $3,222.00
W2 - $3,717.00
W3 - $3,795.00
W4 - $3,951.00
W5 - $4,146.00
Rank
W1
W2
W3
W4
W5
With Dependents Rate
$3,930.00
$4,182.00
$4,434.00
$4,551.00
$4,692.00
Without Dependents Rate
$3,222.00
$3,717.00
$3,795.00
$3,951.00
$4,146.00
Officer Oahu BAH Rates
Officer With Dependents
O1E - $4,137.00
O2E - $4,398.00
O3E - $4,572.00
O1 - $3,702.00
O2 - $3,909.00
O3 - $4,428.00
O4 - $4,737.00
O5 - $4,959.00
O6 - $5,001.00
O7 - $5,040.00
Officer Without Dependents
O1E - $3,660.00
O2E - $3,768.00
O3E - $3,903.00
O1 - $2,997.00
O2 - $3,555.00
O3 - $3,819.00
O4 - $4,110.00
O5 - $4,224.00
O6 - $4,413.00
O7 - $4,494.00
Rank
O1E
O2E
O3E
O1
O2
O3
O4
O5
O6
O7
With Dependents Rate
$4,137.00
$4,398.00
$4,572.00
$3,702.00
$3,909.00
$4,428.00
$4,737.00
$4,959.00
$5,001.00
$5,040.00
Without Dependents Rate
$3,660.00
$3,768.00
$3,903.00
$2,997.00
$3,555.00
$3,819.00
$4,110.00
$4,224.00
$4,413.00
$4,494.00
Source: Defense Travel Management Office
What These BAH Rates Mean for Living on Oahu
BAH is designed to help cover housing costs, but how far it goes in Hawaii depends on whether you plan to rent or buy. Below is a high-level look at what most military families experience when relocating to Oahu.
Renting on Oahu with BAH
Most Rentals fall within or slightly above BAH, depending on location and home type
Condos and townhomes are more common than single-family homes
Utilities, parking, and pet fees may not be included
Inventory moves quickly, especially during PCS season
Inventory and pricing can vary widely between areas like Ewa Beach, Kapolei, Kailua, and town-side Oahu.
Buying a Home with BAH
Many military families use BAH toward a monthly mortgage payment
VA loans can reduce or eliminate down payment requirements
Monthly payment depends on interest rates, HOA fees, and property type
Buying can make sense for some PCS timelines, but it isn't the right fit for every situation
Condos are often more common than single-family homes near military installations, and HOA fees are an important factor in Hawaii
Renting vs Buying in Hawaii Using BAH
Both renting and buying can make sense during a PCS to Hawaii. The right choice depends on your timeline, family needs, and how you plan to use your BAH. Here's a high-level comparison to help you think through each option.
Renting with BAH
Lower upfront commitment
Flexibility if your PCS timeline changes
Easier for shorter tours
Limited inventory in some neighborhoods
Rent may be close to or slightly above BAH, depending on location
Buying with BAH
BAH can be applied toward a monthly mortgage
VA loans may reduce upfront costs
Potential long-term stability for longer tours
HOA fees and property type matter
Market conditions and interest rates affect affordability
Planning a PCS to Hawaii?
Every PCS Situation is different. A short conversation can help you understand how your BAH realistically fits into today's Oahu Marketing - whether you're renting, buying, or still deciding.
No obligations. Just clear answers!
Common Questions About Hawaii BAH & PCS Housing
Below are answers to some of the most common questions we hear from military families relocating to Oahu.
FAQ 1: Is BAH enough to live on Oahu?
BAH is designed to help cover housing costs, but how far it goes on Oahu depends on location, home type, and market conditions. Some families find BAH covers their needs comfortably, while others choose to adjust expectations or explore different neighborhoods.
FAQ 2: Does BAH include utilities?
BAH does not specifically separate utilities. Some rentals include certain utilities, while others do not. This is an important detail to consider when comparing housing options on Oahu.
FAQ 3: Can I use BAH to buy an home in Hawaii?
BAH is often used to help cover monthly mortgage payments, especially when combined with a VA loan. Whether buying makes sense depends on your PCS timeline, budget, and the type of property you're considering.
FAQ 4: Should I rent first when PCSing to Hawaii?
Many families choose to rent first to get familiar with the island, while others feel comfortable buying right away. There's no single right answer - it depends on your experience with Hawaii, tour length, and personal preferences.
FAQ 5: How competitive is the housing market on Oahu?
Oahu's housing market can move quickly, especially during peak PCS seasons. Having local guidance and a clear plan can help families navigate availability and timing more smoothly.
Ready to Talk Through Your Hawaii PCS?
Get clear, local guidance on how your BAH fits into the Oahu housing market - before you make any decisions.
