Is O-5 BAH at Schofield Barracks different from other parts of Oʻahu?

No. Schofield Barracks is on Oʻahu, so O-5 BAH is based on Honolulu County (Oʻahu) rates. The amount depends on your dependent status (with dependents vs without dependents), not the neighborhood you live in.

Does BAH change if I live in Mililani, Kapolei, or Ewa Beach instead of near Schofield?

No. Your BAH rate is tied to your duty station area (Honolulu County on Oʻahu), not your exact address. Many families choose where to live based on commute, schools, and lifestyle.

Can O-5 BAH cover a mortgage on Oʻahu?

It can help significantly, but affordability depends on interest rates, down payment, HOA fees, and the type of home (condo vs single-family). A simple mortgage calculator using your BAH as a monthly payment estimate can provide a helpful starting point.

What Is O-5 BAH at Schofield Barracks? (2026 Hawaii BAH Explained)

o-5-bah-schofield-barracks-hawaii-home-hero

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.

Select Your Rank: With Dependents? Down Payment ($): Interest Rate (%):

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

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