2026 BAH Rates in Hawaii – ZIP Code Housing Allowance
The 2026 Basic Allowance for Housing (BAH) rates in Hawaii are now live. These tax-free monthly payments help active-duty service members offset off-base housing costs based on ZIP code, rank, and dependent status. Whether you’re stationed at Schofield Barracks, Joint Base Pearl Harbor-Hickam, Marine Corps Base Hawaii, or Tripler Army Medical Center, you’ll find the latest rates below.
Hawaii’s BAH rates rose by an average of 5.4% in 2026, reflecting consistently high rental demand across Oahu and other islands. See nationwide BAH trends on our military housing allowance update page, or explore your homebuying options on our Hawaii VA loan guide.
How to Find Your 2026 BAH Rate in Hawaii
Use the charts below to look up your 2026 housing allowance by ZIP code, pay grade, and dependency status. Hawaii’s unique cost of living and limited rental inventory make these annual BAH updates especially important for military families.
View BAH Rates in:
What is the Basic Allowance for Housing (BAH)?
BAH is a monthly, tax-free housing allowance provided to military personnel who live off base. In Hawaii, it helps service members afford housing on Oahu and other islands where rent costs are among the highest in the nation.
The Department of Defense recalculates BAH annually using rental market data for each Military Housing Area (MHA). Hawaii’s rates are among the top in the country due to persistent demand and limited supply.
How BAH Rates Are Determined
BAH is based on:
- Location: Rates vary by ZIP code — Honolulu, Kapolei, and Kaneohe each have different costs.
- Rank: Higher ranks receive greater BAH amounts to reflect housing needs.
- Dependents: Those with dependents receive increased BAH to support family-sized housing.
How to Use the BAH Charts
To determine your monthly BAH in Hawaii for 2026:
- Identify your assigned base or ZIP code (e.g. 96853 for Pearl Harbor).
- Select your rank/pay grade.
- Check the rate for with or without dependents.
2026 Hawaii BAH Rate Charts
Hawaii BAH rates increased by 5.4% in 2026. Use the charts below to find your updated housing allowance near JBPHH, Schofield Barracks, and other installations across Oahu.
Hawaii Housing Costs & BAH Impact
Hawaii consistently ranks among the most expensive rental markets in the U.S. Areas like Honolulu, Kailua, and Kapolei see high competition and limited housing availability. BAH in Hawaii reflects this challenge, with rates among the highest nationwide. In 2026, the DoD adjusted Hawaii’s rates upward by 5.4% to keep pace with increasing demand. Despite high allowances, some military families may still face out-of-pocket costs, especially near JBPHH and MCBH. In rural or less dense areas, BAH may fully cover rental expenses.
Convert Your BAH to VA Buying Power
Enter your BAH and key financials. We’ll estimate a comfortable VA home price and the resulting monthly payment.
Explore More BAH Insights
2026 Hawaii BAH Rate Charts
In 2026, the Basic Allowance for Housing (BAH) rates in Hawaii have risen in line with the national average increase of approximately 5.4%. This adjustment, made annually by the Department of Defense, ensures that allowances keep pace with local housing costs and provide the financial support needed for service members to find suitable off-base housing.
Below are the updated BAH rate charts for key Hawaii Military Housing Areas (MHAs). Use these tables to quickly determine your housing allowance based on your rank and dependent status.
MAUI COUNTY, HI BAH Rates
Military Housing Area: HI407
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $3,783 | $2,838 |
| E02 | $3,783 | $2,838 |
| E03 | $3,783 | $2,838 |
| E04 | $3,783 | $2,838 |
| E05 | $4,287 | $3,216 |
| E06 | $5,157 | $3,867 |
| E07 | $5,271 | $3,954 |
| E08 | $5,388 | $4,410 |
| E09 | $5,661 | $4,605 |
| W01 | $5,181 | $3,885 |
| W02 | $5,322 | $4,407 |
| W03 | $5,517 | $4,641 |
| W04 | $5,730 | $5,184 |
| W05 | $6,048 | $5,298 |
| O01E | $5,289 | $4,284 |
| O02E | $5,475 | $4,551 |
| O03E | $5,775 | $5,154 |
| O01 | $4,365 | $3,273 |
| O02 | $5,142 | $4,122 |
| O03 | $5,505 | $4,752 |
| O04 | $6,159 | $5,271 |
| O05 | $6,657 | $5,340 |
| O06 | $6,723 | $5,499 |
| O07 | $6,783 | $5,601 |
BAH for MAUI COUNTY, HI includes the following zip codes: 96708, 96713, 96729, 96732, 96733, 96742, 96748, 96753, 96757, 96761, 96763, 96767, 96768, 96770, 96779, 96784, 96788, 96790, 96793
HONOLULU COUNTY, HI BAH Rates
Military Housing Area: HI408
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $3,204 | $2,403 |
| E02 | $3,204 | $2,403 |
| E03 | $3,204 | $2,403 |
| E04 | $3,204 | $2,403 |
| E05 | $3,513 | $2,682 |
| E06 | $3,738 | $2,925 |
| E07 | $3,915 | $3,216 |
| E08 | $4,104 | $3,564 |
| E09 | $4,308 | $3,621 |
| W01 | $3,759 | $3,102 |
| W02 | $3,993 | $3,561 |
| W03 | $4,227 | $3,630 |
| W04 | $4,341 | $3,774 |
| W05 | $4,482 | $3,957 |
| O01E | $3,945 | $3,510 |
| O02E | $4,194 | $3,609 |
| O03E | $4,362 | $3,729 |
| O01 | $3,549 | $2,889 |
| O02 | $3,735 | $3,414 |
| O03 | $4,221 | $3,654 |
| O04 | $4,530 | $3,924 |
| O05 | $4,743 | $4,029 |
| O06 | $4,785 | $4,209 |
| O07 | $4,827 | $4,287 |
BAH for HONOLULU COUNTY, HI includes the following zip codes: 96701, 96706, 96707, 96709, 96712, 96717, 96730, 96731, 96734, 96744, 96759, 96762, 96782, 96786, 96789, 96791, 96792, 96795, 96797, 96801, 96802, 96803, 96804, 96805, 96806, 96807, 96808, 96809, 96810, 96811, 96812, 96813, 96814, 96815, 96816, 96817, 96818, 96819, 96820, 96821, 96822, 96823, 96824, 96825, 96826, 96828, 96830, 96836, 96837, 96838, 96839, 96840, 96841, 96843, 96844, 96846, 96847, 96848, 96849, 96850, 96853, 96854, 96857, 96858, 96859, 96860, 96861, 96863, 96898
HAWAII COUNTY, HI BAH Rates
Military Housing Area: HI409
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $3,273 | $2,454 |
| E02 | $3,273 | $2,454 |
| E03 | $3,273 | $2,454 |
| E04 | $3,273 | $2,454 |
| E05 | $3,453 | $2,868 |
| E06 | $3,513 | $3,108 |
| E07 | $3,612 | $3,279 |
| E08 | $3,726 | $3,471 |
| E09 | $3,828 | $3,477 |
| W01 | $3,528 | $3,222 |
| W02 | $3,660 | $3,468 |
| W03 | $3,798 | $3,480 |
| W04 | $3,843 | $3,528 |
| W05 | $3,897 | $3,639 |
| O01E | $3,630 | $3,450 |
| O02E | $3,780 | $3,474 |
| O03E | $3,849 | $3,498 |
| O01 | $3,468 | $3,090 |
| O02 | $3,510 | $3,396 |
| O03 | $3,795 | $3,486 |
| O04 | $3,909 | $3,615 |
| O05 | $3,984 | $3,675 |
| O06 | $4,020 | $3,780 |
| O07 | $4,053 | $3,852 |
BAH for HAWAII COUNTY, HI includes the following zip codes: 96704, 96710, 96718, 96719, 96720, 96721, 96725, 96726, 96727, 96728, 96737, 96738, 96739, 96740, 96743, 96745, 96749, 96750, 96755, 96760, 96764, 96771, 96772, 96773, 96774, 96776, 96777, 96778, 96780, 96781, 96783, 96785
KAUAI COUNTY, HI BAH Rates
Military Housing Area: HI414
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $3,357 | $2,589 |
| E02 | $3,357 | $2,589 |
| E03 | $3,357 | $2,589 |
| E04 | $3,357 | $2,589 |
| E05 | $3,597 | $2,928 |
| E06 | $3,996 | $3,138 |
| E07 | $4,068 | $3,366 |
| E08 | $4,140 | $3,681 |
| E09 | $4,335 | $3,795 |
| W01 | $4,014 | $3,279 |
| W02 | $4,098 | $3,678 |
| W03 | $4,191 | $3,810 |
| W04 | $4,392 | $4,008 |
| W05 | $4,635 | $4,083 |
| O01E | $4,074 | $3,594 |
| O02E | $4,176 | $3,768 |
| O03E | $4,428 | $3,987 |
| O01 | $3,651 | $3,111 |
| O02 | $3,993 | $3,522 |
| O03 | $4,188 | $3,849 |
| O04 | $4,722 | $4,062 |
| O05 | $5,103 | $4,101 |
| O06 | $5,151 | $4,170 |
| O07 | $5,196 | $4,248 |
BAH for KAUAI COUNTY, HI includes the following zip codes: 96703, 96705, 96714, 96715, 96716, 96722, 96741, 96746, 96747, 96751, 96752, 96754, 96756, 96765, 96766, 96769, 96796
2026 BAH FAQs for Hawaii
How much did BAH increase in Hawaii for 2026?
Hawaii BAH rates rose by approximately 5.4% in 2026 to match ongoing rental increases on Oahu.
Where is BAH highest in Hawaii?
ZIP codes in Honolulu and Kaneohe, near JBPHH and MCBH, have the highest BAH due to limited housing supply.
What is the BAH for an E-5 with dependents at Schofield Barracks?
As of 2026, an E-5 with dependents at Schofield Barracks receives around $3,252/month.
Is BAH enough to cover rent in Hawaii?
Often, yes — especially in mid-tier ZIP codes. In high-demand zones, BAH may not fully cover rent and utilities.
Do all Hawaii bases use the same BAH rate?
No. Hawaii bases fall under different ZIP codes and MHAs — each with its own rate structure.
Can single members receive BAH in Hawaii?
Yes. Single service members authorized to live off base are eligible for BAH.
Is BAH taxable income in Hawaii?
No. BAH is tax-exempt and is not counted as income for federal or state taxes.
Can I use BAH as income for a VA loan?
Yes. Lenders accept BAH as qualifying income when applying for a mortgage.
What is the MHA for JBPHH?
Joint Base Pearl Harbor-Hickam is part of MHA HI408, which includes ZIPs like 96853 and 96818.
When are BAH rates updated?
BAH is updated every January by the Department of Defense based on ZIP-level market data.
