What Is MCBH Kaneohe Bay BAH? (All Ranks, With & Without Dependents)
MCBH Kaneohe Bay BAH Chart (All Ranks)
This chart shows the monthly BAH for MCBH Kaneohe Bay by rank, with and without dependents. MCBH Kaneohe Bay uses Honolulu County (Oʻahu) BAH rates.
| Rank | With Dependents | Without Dependents |
|---|---|---|
| E-1 | $3,333 | $2,598 |
| E-2 | $3,333 | $2,598 |
| E-3 | $3,333 | $2,598 |
| E-4 | $3,333 | $2,598 |
| E-5 | $3,663 | $2,856 |
| E-6 | $3,912 | $3,036 |
| E-7 | $4,098 | $3,348 |
| E-8 | $4,302 | $3,720 |
| E-9 | $4,518 | $3,783 |
| W-1 | $3,930 | $3,222 |
| W-2 | $4,182 | $3,717 |
| W-3 | $4,434 | $3,795 |
| W-4 | $4,551 | $3,951 |
| W-5 | $4,692 | $4,146 |
| O-1 | $3,702 | $2,997 |
| O-2 | $3,909 | $3,555 |
| O-3 | $4,428 | $3,819 |
| O-4 | $4,737 | $4,110 |
| O-5 | $4,959 | $4,224 |
| O-6 | $5,001 | $4,413 |
| O-7 | $4,827 | $4,494 |
MCBH Kaneohe Bay is located on Oʻahu in Honolulu County, Hawaii.
MCBH Kaneohe Bay BAH is based on Honolulu County (Oʻahu), so the rate depends on your rank and whether you have dependents. Use the chart below to see the exact monthly amount.
Note: These are Honolulu County BAH rates (used for MCBH Kaneohe Bay on Oʻahu). If you are assigned outside Honolulu County confirm your exact allowance using the official DoD BAH calculator.
Have a quick question about real estate in Hawaii?
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Local Advice for Military Families Moving to Marine Corps Base Hawaii
In my experience helping military families relocating to Oʻahu, the biggest challenge isn’t finding a home, it’s choosing a neighborhood that fits real life: commute time, schools, parking, and monthly comfort. A home that looks perfect online can feel very different once you factor in traffic, layout, and day-to-day routines. If you want, I can help you narrow down the best areas based on your commute, lifestyle, and monthly comfort level.
What Military Families Can Actually Afford on Oʻahu Using BAH
Many military families moving to Oʻahu want to know whether their Basic Allowance for Housing (BAH) can realistically support buying a home. While exact affordability depends on credit, interest rates, and down payment, the table below shows typical home price ranges families often target using their monthly housing allowance.
| Rank | 2026 Monthly BAH | Estimated Home Budget | Neighborhoods Often Considered |
|---|---|---|---|
| E-6 with Dependents | $3,912 | $750K – $900K | Ewa Beach, Waipahu, parts of Kapolei |
| E-9 with Dependents | $4,518 | $900K – $1.2M | Ewa Beach, Kapolei, Mililani |
| O-3 with Dependents | $4,428 | $850K – $1.1M | Kapolei, Mililani, Pearl City |
| O-5 with Dependents | $4,959 | $1.1M – $1.5M+ | Mililani, Hawaii Kai, Kailua |
| O-6 with Dependents | $5,001 | $1.3M – $1.8M+ | Hawaii Kai, Kailua, select Honolulu neighborhoods |
These ranges assume typical VA loan terms and moderate interest rates. Some buyers choose to purchase below their maximum budget so their monthly housing payment stays comfortably within their BAH allowance.
Disclaimer: These examples are intended to provide a general snapshot of the Oʻahu housing market. Actual home prices and features can vary widely depending on neighborhood, views, condition, and market conditions at the time of purchase. If you are considering buying a home on Oʻahu, it is always best to review current listings and speak with a local real estate professional.
Explore More
PCS and Military Relocation
- PCSing to Hawaii: Complete Military Relocation Guide
- How Dual BAH Works in Hawaii
- What Is Hawaii BAH? (Oʻahu Housing Allowance Explained)
- How Does Dual BAH in Hawaii Actually Work?
Best Places for Military Families on Oahu
MaryJo McGillicuddy, Realtor Associate, Military Relocation Professional
Century 21 Island Homes
📍 91-1105 Keaunui Dr #520, Ewa Beach, HI 96706
📞 (808) 724-4629
✉️ maryjo@c21islandhomes.com
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