What Is E-7 BAH at Marine Corps Base Hawaiʻi Kaneohe Bay? (2026 Hawaii BAH Rates)
Quick answer: 2026 Hawaii BAH for an E-7 stationed at Marine Corps Base Hawaiʻi (MCBH) Kaneohe Bay is $4,098 per month with dependents and $3,348 per month without dependents. E-7 BAH at Kaneohe Bay is the same as E-7 BAH anywhere on Oʻahu (Honolulu County). The only difference is whether you have dependents or not.
Marine Corps Base Hawaii BAH Chart (All Ranks)
This chart shows the monthly Hawaii Honolulu County BAH by rank for Marine Corps Base Hawaii on Oʻahu. Kaneohe uses Honolulu County 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 |
Note: These are Honolulu County BAH 2026 rates (used for Marine Corps Base Hawaii on Oʻahu). Always confirm your exact allowance using the official DoD BAH calculator.
Why Kaneohe BAH = Honolulu County BAH
Here is what most people do not realize. Marine Corps Base Hawaiʻi at Kaneohe Bay is located on Oʻahu, and the Department of Defense sets BAH using the local rental market for the assigned area. On Oʻahu, that means your allowance is tied to Honolulu County. There is no separate Kaneohe-only housing rate.
If you are an E-7, your BAH is determined strictly by your pay grade and whether you have dependents. That is why there are two monthly figures. Living closer to MCBH, Kailua, Pearl Harbor, or Schofield will not change your BAH. The allowance reflects the island-wide housing market, not the specific gate you drive through each morning.
Real-world perspective: for most E-7 families heading to Marine Corps Base Hawaiʻi at Kaneohe Bay, the key decision is not the exact BAH figure. It is how you want daily life to function. Some families prioritize being minutes from the MCBH gate in Kaneohe or Ahuimanu. Others prefer Kailua for schools and lifestyle, even if it adds a few minutes to the drive. The right neighborhood can make the same BAH amount feel either stretched or very manageable.
In my experience working with PCS families year after year on Oʻahu, the best home near Kaneohe is rarely about square footage alone. It is about traffic patterns over the Pali or H-3, realistic HOA costs, insurance considerations, and long-term resale value. When those pieces line up with your budget and routine, your BAH works the way it was intended to work. Calm, predictable, and sustainable.
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
🌐 sellhomeshawaii.com
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