What Is O-4 BAH at Schofield Barracks? (2026 Hawaii BAH Explained)

Quick answer: 2026 Hawaii BAH for a Major stationed at Schofield Barracks is $4,737 a month with dependents and $4,110 without dependents. O-4 BAH at Schofield Barracks is the same as O-4 BAH anywhere on Oʻahu (Honolulu County). The exact monthly amount depends on whether you have dependents or not.

Why Schofield BAH = Honolulu County BAH

Here’s the part most people don’t realize at first: Schofield Barracks is on Oʻahu, and BAH is set by the DoD based on the local housing market for the area you’re assigned to. On Oʻahu, that generally means your BAH rate is tied to Honolulu County — not a separate “Schofield-only” number.

So if you’re an O-4, your BAH is based on your pay grade and whether you have dependents. That’s why you’ll see two different rates (with dependents vs without dependents), but you won’t see different BAH just because you live closer to Schofield, Wheeler, Pearl Harbor, 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.

Real-life housing advice for O-4s 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 look at areas like Mililani, Wahiawā, Waipio, and sometimes Pearl City depending on schools, traffic, and whether you want a newer home, a larger yard, or easier access to town.

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. Commute time, base access, schools, and even simple things like grocery runs and after-school activities matter a lot more here than people expect.

Want help matching your BAH to the right neighborhood?

If you’re an O-4 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?
• Mililani Real Estate (Great Option for Schofield Commute)
• Ewa Beach Real Estate (Homes, Lifestyle, and Commute Reality)