Is Officer BAH Enough to Buy a Home on Oʻahu Without Using All of It?
Yes, in most cases an officer’s BAH—especially for O-4s and O-5s—is enough to buy a home on Oʻahu without spending the entire allowance. The key is choosing the right part of the island, because home prices vary significantly even though the BAH rate is the same across all Oʻahu bases.
For full context on how Oʻahu BAH works, see our guide here: What Is Hawaiʻi BAH?
Below is a quick breakdown of how far officer BAH typically goes and which neighborhoods offer the best balance of price, size, and affordability.
Start with our Hawaii BAH Mortgage Calculator
Hawaii BAH Mortgage Calculator
Find out how much home your full BAH could buy.
Can O-4 and O-5 BAH Support Buying a Home on Oʻahu?
For many officers PCSing to Hawaiʻi—especially Majors (O-4) and Lieutenant Colonels (O-5)—the biggest financial question isn’t whether they can buy a home on Oʻahu. It’s whether they can buy one without consuming their entire BAH in the process.
For 2025, an O-4 with dependents receives $4,611 per month, and an O-5 with dependents receives $4,902. That places officer families in a stronger buying position than most service members on island, especially when combining BAH with the zero-down VA loan benefit.
West Oʻahu: Where Your BAH Goes the Furthest
While officers can purchase in central Oʻahu (Mililani, Wahiawa) or Honolulu, most discover their BAH goes dramatically further in Ewa Beach, Kapolei, Ocean Pointe, Hoakalei, and Makakilo. These areas offer:
- Newer construction
- Modern layouts and open floor plans
- Two-car garages
- Central AC
- Family-friendly neighborhoods
- Better value relative to BAH
Many officer families purchase an $850K–$1M home with zero down using the VA loan and stay near or within their BAH range—while building long-term equity in one of the strongest housing markets in the country.
Windward Oʻahu vs. West Oʻahu
If you're stationed at MCBH Kaneohe Bay, it’s natural to want to live nearby. But Kailua and Kaneohe often come with:
- Higher home prices
- Older inventory
- Limited availability
- Smaller lot sizes
Because of this, many O-4 and O-5 families stationed at Kaneohe, Pearl Harbor–Hickam, Tripler, Schofield, or Camp Smith choose West Oʻahu for a better balance of home size, comfort, and affordability.
The Bottom Line
Yes—O-4 and O-5 BAH is absolutely enough to buy on Oʻahu without stretching your entire allowance. The key is focusing your search in the neighborhoods where officer BAH aligns with home prices, space, and long-term value.
Talk With a Local Military-Friendly Realtor
My name is MaryJo McGillicuddy, and I’ve helped many Oʻahu officers and military families find homes that match their BAH, commute, and lifestyle.
If you’d like a BAH-based home search tailored to O-4 and O-5 affordability, I’d be happy to help.
Contact MaryJo McGillicuddy – Hawaii Military Buyer Specialist
91-1105 Keaunui Dr #520
Ewa Beach, HI 96706
Phone: (808) 724-4629
Email: maryjo@c21islandhomes.com
Website: sellhomeshawaii.com
Related Guides
What Does a Million-Dollar Home Look Like in Ewa Beach?
Is $1 Million Enough to Buy a Home in Kapolei?
Is $1 Million Enough to Buy a Home in Makakilo?
FAQ
Is officer BAH enough to buy a home on Oʻahu?
Yes. O-4 and O-5 BAH typically aligns well with home prices in West Oʻahu, especially when using a VA loan.
Where do most officers buy on Oʻahu?
Ewa Beach, Kapolei, Hoakalei, Ocean Pointe, and Makakilo are the most common because they offer newer homes and better value.
Do all Oʻahu bases have the same BAH?
Yes. Schofield, Kaneohe, Hickam, Pearl Harbor, Tripler, and Camp Smith all use the Honolulu County BAH rate.
Can officer BAH cover a $900K–$1M home?
In many cases, yes—especially with VA loan benefits and smart neighborhood selection.
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