What Is O-5 BAH at Schofield Barracks? (2026 Hawaii BAH Explained)
Quick answer: 2026 Hawaii BAH for an O-5 stationed at Schofield Barracks is $4,959/month with dependents and $4,224/month without dependents. Schofield BAH is the same as O-5 BAH anywhere on Oʻahu (Honolulu County). It does not change based on which neighborhood you choose to live in or your base assignment.
Schofield Barracks BAH Is an Oʻahu Rate (Not a Base-Specific Rate)
Here’s the key detail most people miss: Schofield Barracks is located on Oʻahu, and BAH is set by the DoD based on the local rental market for your assigned area. On Oʻahu, that means your BAH is tied to Honolulu County and not a separate “Schofield-only” zip code.
So for an O-5, your BAH is determined by your pay grade and whether you have dependents. You’ll see two rates (with dependents vs without dependents), but you won’t get a different BAH amount just because you live closer to Schofield, Wheeler, JBPHH, or Kaneohe.
Hawaii BAH 2026 Mortgage Calculator
Want a quick ballpark idea of what your full BAH could support as a monthly mortgage payment? Use the calculator below.
Hawaii BAH 2026 Mortgage Calculator
Find out how much home your full BAH could buy.
Real-life housing advice for O-5s at Schofield
In real life, the bigger question isn’t “What’s the exact BAH number?” — it’s what lifestyle and commute you want. Many Schofield families consider areas like Mililani, Wahiawā, Kunia, and Waikele, and some also look toward Aiea or Pearl City depending on schools, traffic, and how often you need to be on base.
One honest thing I tell military families: you can absolutely make BAH work on Oʻahu, but the best results come from being clear about your “must-haves” vs “nice-to-haves” (bedrooms, parking, yard, HOA, commute time, and whether you’re open to a condo vs single-family).
A quick personal note (military reality)
When my husband was on active duty, we learned quickly that moving to Hawaii isn’t just about finding a house — it’s about finding a location that makes daily life easier. On Oʻahu, “close” on a map doesn’t always mean a quick drive during school drop-off and morning traffic, so picking the right neighborhood can make a huge difference in your day-to-day routine.
Want help matching your BAH to the right neighborhood?
If you’re an O-5 heading to Schofield Barracks and you want a straight answer on what’s realistic right now, I’m happy to help.
MaryJo McGillicuddy, Realtor Associate
Century 21 Island Homes
📍 91-1105 Keaunui Dr #520, Ewa Beach, HI 96706
📞 (808) 724-4629
✉️ maryjo@c21islandhomes.com
Keep Reading (Helpful Links)
- What Is Hawaii BAH? (Oʻahu Housing Allowance Explained)
- How Does Dual BAH in Hawaii Actually Work?
- Schofield vs Kaneohe BAH (Same Rate, Different Lifestyle)
- Can an Army Major Buy a Home in Ewa Beach With BAH?
- Mililani Real Estate (Great Option for Schofield Commute)
- Ewa Beach Real Estate (Homes, Lifestyle, and Commute Reality)
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