$900K Homes For Sale On Oahu Right Now (Live Listings + Buyer Guide)
Quick answer: $900K on Oʻahu typically buys a smaller single-family home in West or Central Oʻahu, a townhouse in a newer community, or a well-located condo closer to town. Condition, parking, and location matter more than raw square footage at this price point.
This is one of the most competitive price ranges on the island. Many first-time buyers, military families using VA loans, and move-up buyers all compete here. Inventory that is clean, well-priced, and in good condition can move quickly.
If you want to understand how this compares to other price brackets, see $1M homes for sale on Oahu right now to see what an extra $100K typically changes.
All $900K Homes on Oahu For Sale Right Now
The listings below show the most current $900K homes for sale on Oʻahu. Market movement in this range can be fast, so if something looks right, timing and preparation matter.
Local Perspective on Buying Around $900K on Oʻahu
At the $900,000 price point on Oʻahu, details matter more than headlines. Two homes listed at the same price can feel completely different once you factor in lot size, parking, flood zones, HOA dues, insurance costs, and long-term resale strength.
I have been serving Oʻahu buyers for over seven years and have lived on the island long term. I work daily in markets like Ewa Beach, Kapolei, Pearl City, Aiea, and Honolulu, helping families understand what their budget truly buys in each neighborhood. That local experience matters because $900K in West Oʻahu can look very different from $900K in town or Windward.
I help buyers evaluate commute patterns, school districts, micro-neighborhood value differences, and whether a home is priced strategically or optimistically. In a competitive market, that level of analysis protects both your money and your peace of mind.
At this price point, strong guidance makes the difference between stretching and buying smart.
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
$900K Homes on Oʻahu FAQs
Is $900K enough to buy a single-family home on Oʻahu?
In many West Oʻahu neighborhoods, yes. In town or Windward areas, $900K may mean a smaller home, older construction, or a condo. Location drives the difference.
Are $900K homes competitive on Oʻahu?
Yes. This is a high-demand price range because it sits below the $1M psychological threshold. Well-priced homes can move quickly.
Do I need 20% down for a $900K home?
No. Down payment requirements depend on loan type. VA, FHA, and conventional programs offer different structures. A lender can confirm your exact buying power quickly.
Which areas offer the most space around $900K?
West Oʻahu communities like Ewa Beach and Kapolei often offer more square footage and newer construction compared to central Honolulu.
Is $900K a good long-term investment on Oʻahu?
Oʻahu has limited land and strong long-term demand. Appreciation depends on neighborhood strength, property condition, and location fundamentals.
What Is O-4 BAH at Joint Base Pearl Harbor-Hickam? (2026 Hawaii Rates)
Quick answer: 2026 Hawaii BAH for an O-4 stationed at Joint Base Pearl Harbor-Hickam is $4,737 per month with dependents and $4,110 per month without dependents.
Joint Base Pearl Harbor-Hickam uses Honolulu County BAH, which means O-4 BAH is the same anywhere on Oʻahu. Your allowance changes only by rank and dependency status, not by whether you work on the Pearl Harbor side or the Hickam side of base.
If you want a broader breakdown of how island rates work, see What Is Hawaii BAH? (Honolulu County Explained) for a full overview.
Joint Base Pearl Harbor Hickam Hawaii BAH Chart (All Ranks)
This chart shows the monthly Hawaii Honolulu County BAH by rank for Joint Base Pearl Harbor Hickam Hawaii on Oʻahu. Pearl Harbor Hickam 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 Joint Base Pearl Harbor Hickam Hawaii on Oʻahu). Always confirm your exact allowance using the official DoD BAH calculator.
Using Your O-4 BAH at Joint Base Pearl Harbor-Hickam
We were assigned to Joint Base Pearl Harbor-Hickam for years and have lived on Oʻahu for more than 13 years. That long-term local experience matters when evaluating housing decisions at the O-4 level. Commute patterns from Ewa Beach, Kapolei, Aiea, and Pearl City can vary significantly depending on time of departure and which side of base you work on.
Many O-4 families assigned to JBPHH choose West Oʻahu communities like Ewa Beach and Kapolei for newer homes and larger square footage. Others prefer Pearl City or Aiea for proximity and shorter drive times. The key is understanding how your Honolulu County BAH aligns with purchase price, property taxes, HOA dues, insurance costs, and long-term resale strength.
At the O-4 level, BAH provides strong buying power on Oʻahu. The difference between a comfortable payment and an overextended one often comes down to neighborhood selection and long-term planning. Local knowledge makes that decision clearer and more strategic.
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
O-4 BAH at Joint Base Pearl Harbor-Hickam FAQs
What is 2026 O-4 BAH at Pearl Harbor-Hickam?
An O-4 receives $4,737 per month with dependents and $4,110 without dependents. These are Honolulu County rates used across all Oʻahu installations.
Is BAH different between Pearl Harbor and Hickam?
No. Joint Base Pearl Harbor-Hickam uses Honolulu County BAH. The allowance does not change based on which side of base you work on.
Where do most O-4 families live near JBPHH?
Many O-4 families live in Ewa Beach, Kapolei, Aiea, or Pearl City. West Oʻahu often offers newer construction and larger homes, while central locations offer shorter commutes.
$3.5M Homes For Sale On Oahu Right Now (Live Listings + Luxury Buyer Guide)
Quick answer: $3.5M homes on Oʻahu typically place you firmly in the luxury tier, where location, views, privacy, and architectural quality become the primary drivers of value.
At this price point, you are no longer just buying square footage. You are buying elevation, ocean views, gated entries, newer construction, or premier neighborhoods like Kailua, Hawaiʻi Kai, Diamond Head, or select West Oʻahu estates. In some areas, $3.5M may secure a fully renovated ocean-view property. In others, it may buy land position and long-term appreciation potential.
If you are comparing price tiers, you may also want to review current $3M homes for sale on Oahu to understand how the jump to $3.5M changes inventory, lot size, and location options.
The listings below show the most current $3.5M homes for sale on Oʻahu. Inventory at this level is limited and competitive, especially for properties with strong views, newer construction, or walkable beach access.
Local Perspective on $3.5M Homes on Oʻahu
Luxury real estate on Oʻahu is highly location-sensitive. Two homes listed at $3.5M can have dramatically different long-term value based on street position, elevation, view protection, zoning, and even prevailing trade winds. After more than a decade living on Oʻahu and years helping buyers across Kailua, Hawaiʻi Kai, Honolulu, Kapolei, and Ewa Beach, I’ve seen firsthand how micro-location drives both lifestyle quality and resale strength.
At this price point, buyers are not just purchasing square footage. They are buying land quality, privacy, infrastructure stability, and long-term neighborhood trajectory. Flood zones, shoreline setback rules, insurance realities, HOA strength, and view-plane risk all matter. These are details that do not always show clearly in online listings.
My role is to help you evaluate not just what looks impressive today, but what will still feel smart five and ten years from now. Luxury on Oʻahu rewards informed decisions. When location, structure, and long-term market fundamentals align, $3.5M can represent exceptional value in one of the most geographically constrained markets in the United States.
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
Explore More Oʻahu Luxury & Price Tier Guides
Frequently Asked Questions About $3.5M Homes on Oʻahu
What does $3.5M typically buy on Oʻahu?
At $3.5M, buyers often secure premium locations, ocean views, newer construction, or architecturally distinct homes. In Kailua or Hawaiʻi Kai, this price can mean view properties or larger lots. In town, it may mean luxury high-rise living or restored historic estates.
Are $3.5M homes on Oʻahu competitive?
Yes. Inventory is limited, and well-positioned luxury homes can move quickly. Buyers at this level typically compete based on location quality, view corridors, privacy, and renovation condition rather than pure square footage.
Do $3.5M homes appreciate well on Oʻahu?
Historically, premium locations with strong land value and view protection tend to hold long-term value well. The key driver is not just price, but neighborhood strength, zoning stability, and land position.
What Is O-5 BAH at Joint Base Pearl Harbor-Hickam? (2026 Hawaii Rates)
Quick answer: 2026 Hawaii BAH for an O-5 stationed at Joint Base Pearl Harbor-Hickam is $4,959 per month with dependents and $4,224 per month without dependents.
Joint Base Pearl Harbor-Hickam uses Honolulu County BAH, which means O-5 BAH is the same anywhere on Oʻahu. Your allowance changes only by rank and dependency status, not by which base you are assigned to.
Joint Base Pearl Harbor Hickam Hawaii BAH Chart (All Ranks)
This chart shows the monthly Hawaii Honolulu County BAH by rank for Joint Base Pearl Harbor Hickam Hawaii on Oʻahu. Pearl Harbor Hickam 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 Joint Base Pearl Harbor Hickam Hawaii on Oʻahu). Always confirm your exact allowance using the official DoD BAH calculator.
Using Your O-5 BAH at Pearl Harbor-Hickam
My family was assigned to Joint Base Pearl Harbor-Hickam for years, and we have lived on Oʻahu for more than 13 years. We understand the base tempo, traffic flow, school zones, HOA realities, insurance costs, and how commute patterns change during the week. That local experience matters when you are making a six or seven figure decision.
Many O-5 families assigned to Pearl Harbor-Hickam choose to live in Ewa Beach, Ocean Pointe, Kapolei, Aiea, or Pearl City. Ewa Beach in particular offers larger homes and newer construction compared to town, while still providing a manageable commute depending on departure time. The key is aligning your Honolulu County BAH with purchase price, property taxes, association fees, and long-term resale value so the payment feels strategic, not stretched.
BAH gives you strong buying power on Oʻahu. The difference between using it wisely and overextending often comes down to understanding the micro-markets and daily lifestyle impact. That is where local, long-term experience makes a measurable difference.
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
O-5 BAH at Joint Base Pearl Harbor-Hickam FAQs
What is 2026 O-5 BAH at Pearl Harbor-Hickam?
In 2026, an O-5 stationed on Oʻahu receives $4,959 per month with dependents and $4,224 without dependents. These are Honolulu County rates used for all installations on the island.
Is BAH different between Pearl Harbor and Hickam?
No. Joint Base Pearl Harbor-Hickam uses Honolulu County BAH. The rate does not change based on which gate or command you are assigned to.
Where do most O-5 families live near JBPHH?
Many O-5 families choose Ewa Beach, Kapolei, or Pearl City for newer homes and manageable commutes. Some prefer town areas for proximity, depending on work location and school preference.
Why MaryJo Is a Top Ewa Beach Realtor
Quick answer: MaryJo McGillicuddy stands out in Ewa Beach because she combines local market knowledge, military relocation expertise, and consistent client results.
With more than seven years serving West Oahu, MaryJo understands the pricing trends, HOA structures, resale patterns, and neighborhood differences across Ewa Beach, Ocean Pointe, and Hoakalei. She does not just list homes. She guides clients through timing, strategy, and long-term value.
As a certified Military Relocation Professional (MRP), she works with active duty families every week. That means understanding PCS timelines, VA loan structure, BAH-driven buying power, and how commute patterns affect daily life on Oahu.
Clients choose MaryJo because she communicates clearly, negotiates firmly, and protects their interests from contract to closing.
What Makes a Strong Ewa Beach Realtor
- Deep knowledge of Ewa Beach neighborhoods and resale trends
- Experience negotiating in competitive West Oahu markets
- Military relocation and VA loan familiarity
- Clear communication and contract discipline
If you are comparing agents, start here:
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
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
What Is E-8 BAH at Marine Corps Base Hawaiʻi (MCBH) Kaneohe Bay? (2026 Hawaii BAH Rates)
Quick answer: 2026 Hawaii BAH for an E-8 stationed at Marine Corps Base Hawaiʻi (MCBH) Kaneohe Bay is $4,302 per month with dependents and $3,720 per month without dependents. E-8 BAH at MCBH Kaneohe is the same as E-8 BAH anywhere on Oʻahu (Honolulu County). Your allowance does not change based on the neighborhood you choose or how close you live to base.
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 the simple truth: Marine Corps Base Hawaiʻi (MCBH) Kaneohe Bay is on Oʻahu, and the DoD sets BAH based on the local rental market for the duty location. On Oʻahu, that means your BAH is tied to Honolulu County, not a separate “Kaneohe-only” housing allowance.
So if you are an E-8, your BAH is determined by your pay grade and whether you have dependents. You will see two different monthly amounts with dependents versus without dependents, but you will not see different BAH just because you live closer to Kaneohe Bay, JBPHH, Schofield, or Wheeler. The housing market is island based, and the allowance follows Honolulu County, not the specific base gate.
Real-life advice: for most E-8 families at Marine Corps Base Hawaiʻi Kaneohe Bay, the bigger decision is not the exact BAH number. It is where you want your day-to-day life to feel easiest. Some families want the shortest possible drive to MCBH. Others care more about schools, parking, yard space, or being closer to Kailua town, beaches, and weekend life. That is where the right neighborhood choice can make your BAH feel tight or feel very comfortable.
From what I see every week in real life, the best home for Kaneohe is not always the biggest one. It is the one that fits your commute over the H-3 or Pali, your lifestyle, and your monthly budget without stress.
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
Explore More (MCBH + Oʻahu Housing Guides)
- What Is Hawaii BAH? (Oʻahu Housing Allowance Explained)
- How Does Dual BAH in Hawaii Actually Work?
- Schofield vs Kaneohe BAH (Same Rate, Different Lifestyle)
- Kaneohe Real Estate (Homes Near Marine Corps Base Hawaii)
- Kailua Real Estate (Beachside Living Near MCBH)
- What Is O-5 BAH at Marine Corps Base Hawaii Kaneohe?
$2.5M Homes For Sale On Oahu Right Now
Quick answer: At around $2.5M on Oʻahu, you are usually shopping in a part of the market where location, view, privacy, and property condition matter more than raw bedroom count.
Some buyers end up in a newer or remodeled home with strong indoor-outdoor living. Others choose a premium location, a view corridor, or a luxury condo with amenities. The “right” $2.5M home is the one that matches your lifestyle and your daily routine, not just the prettiest listing photos.
Oʻahu’s $2.5M range is where the market starts to split into a few very different directions. You might be comparing a single-family home with a yard in one area versus a higher-end condo with ocean views and building amenities in another.
What $2.5M Typically Buys on Oʻahu
- Better location: closer to the beach, town, or a premium neighborhood pocket.
- View value: ocean, coastline, or mountain views can change pricing dramatically.
- More turnkey options: renovated kitchens, updated flooring, newer systems, and improved indoor-outdoor flow.
- Luxury condos: higher floors, better views, parking, security, and amenities depending on the building.
- Tradeoffs still exist: a great view might mean older construction, stairs, less yard, or higher maintenance.
The Big Hawaii Differences Buyers Notice Fast
Hawaii buying is different for a few reasons that surprise mainland buyers. First, commute reality matters. “Close” on a map does not always mean a quick drive during peak traffic, school drop-off, or weekend beach flow. Second, homes can feel very different in person because of wind patterns, sun exposure, and noise. Third, monthly ownership costs can vary significantly based on HOA dues, insurance, maintenance, and property condition.
At $2.5M, many buyers are also thinking about long-term value. That often means prioritizing things that are hard to change later, like location, layout, parking, privacy, and the overall feel of the street. Cosmetic upgrades are usually the easy part.
Local Guidance From a Full-Time Oʻahu Realtor
In my experience helping buyers on Oʻahu, the biggest wins come from matching the home to real life: commute patterns, parking, layout, noise, airflow, and total monthly cost. MaryJo McGillicuddy has been a Realtor for over 7 years, and she helps clients compare neighborhoods honestly, tour efficiently, and move with confidence when the right home shows up.
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
FAQ
1) What can $2.5M buy on Oʻahu right now?
It depends on location, view, and condition. In some areas, $2.5M buys a renovated single-family home with strong indoor-outdoor living. In other areas, it buys a premium location or a luxury condo with amenities and views.
2) Is $2.5M considered “luxury” in Hawaii?
Often yes, but Hawaii luxury is heavily location-driven. A $2.5M home in one neighborhood can feel very different from a $2.5M home in another depending on land value, views, and proximity to beaches or town.
3) What should I watch out for when buying at this price point?
Focus on total monthly cost, property condition, HOA rules and possible assessments (for condos), parking, street noise, and commute reality. Photos do not show wind patterns, traffic flow, or how a home feels at different times of day.
Best Ewa Beach Realtor for Military Families
Quick answer: The best Ewa Beach realtor for military families is someone who understands PCS timelines, VA loans, BAH budgeting, and the real impact of Oʻahu commutes on daily life.
Military moves are different. Orders come fast. Timelines are tight. And in Hawaii, choosing the wrong neighborhood can turn a manageable PCS into daily stress.
What Military Families Should Look For
- MRP certification as a baseline
- First-hand PCS experience or military spouse background
- VA loan expertise, including appraisals and timelines
- Local Ewa Beach knowledge, not just island-wide listings
- Clear communication during fast-moving decisions
In my experience helping military families relocate to Oʻahu, the right guidance is less about the house itself and more about choosing a location that works for real life, not just closing day.
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
Explore More (Military & Ewa Beach Guides)
- What Is Hawaii BAH? (Oʻahu Housing Allowance Explained)
- How Does Dual BAH in Hawaii Actually Work?
- Schofield vs Kaneohe BAH (Same Rate, Different Lifestyle)
- Ewa Beach Real Estate (Homes & Neighborhood Guide)
- Can an Army Major Buy a Home in Ewa Beach With BAH?
- Best Ewa Beach Realtor (Local Expertise Guide)
Frequently Asked Questions
Do I need a realtor who specializes in military relocation?
It helps significantly. Military PCS timelines, VA loan rules, and BAH budgeting create different buying conditions than civilian moves. Experience matters.
Can I use a VA loan in Ewa Beach?
Yes. Many military buyers in Ewa Beach use VA financing. The key is structuring the offer properly in competitive situations.
Is Ewa Beach a good area for military families?
For many families, yes. Ewa Beach offers newer construction, planned communities, and relative value compared to town Honolulu. Commute patterns should always be evaluated carefully before choosing a neighborhood.
What Is O-5 BAH at Marine Corps Base Hawaiʻi (MCBH) Kaneohe Bay? (2026 Hawaii BAH Explained)
Quick answer: 2026 Hawaii BAH for an O-5 stationed at Marine Corps Base Hawaiʻi (MCBH) Kaneohe Bay is $4,959/month with dependents and $4,224/month without dependents. Kaneohe 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.
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.
Marine Corps Base Hawaiʻi (MCBH) Kaneohe Bay BAH Is an Oʻahu Rate (Not a Base-Specific Rate)
Here’s the key detail most people miss: Marine Corps Base Hawaiʻi (MCBH) Kaneohe Bay 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 “Kaneohe-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.
Real-life housing advice for O-5s at Marine Corps Base Hawaii Kaneohe
In real life, the bigger question isn’t “What’s the exact BAH number?” — it’s what lifestyle and commute you want. Many Kaneohe families consider areas like Kaneohe, Kailua, Ahuimanu, and parts of Heʻeia. Some also look toward Pearl City or Aiea depending on schools, budget flexibility, and how often you need quick base access.
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 size, HOA fees, commute time, and whether you’re open to a condo, townhome, or single-family home).
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 peak traffic, especially with the H-3 and Pali routes in the mix. Choosing the right side of the island can make a big difference in your daily routine.
Want help matching your BAH to the right neighborhood?
If you’re an O-5 heading to Marine Corps Base Hawaii Kaneohe 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?
- Schofield vs Kaneohe BAH (Same Rate, Different Lifestyle)
- Kaneohe Real Estate (Homes Near Marine Corps Base Hawaii)
- Kailua Real Estate (Beachside Living Near MCBH)
- Aiea Real Estate (Central Oʻahu Option With Base Access)
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