Updated February 2026

BAH Rates Hawaii County, HI 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Hawaii County military housing area (MHA: HI409), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$3,594

$43,128/year

E-5 without Dependents

$3,042

$36,504/year

O-3 with Dependents

$3,945

$47,340/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$3,447	$41,364
E-2	$3,447	$41,364
E-3	$3,447	$41,364
E-4	$3,447	$41,364
E-5	$3,594	$43,128
E-6	$3,837	$46,044
E-7	$3,876	$46,512
E-8	$3,915	$46,980
E-9	$3,993	$47,916
Warrant Officer
W-1	$3,855	$46,260
W-2	$3,891	$46,692
W-3	$3,948	$47,376
W-4	$4,014	$48,168
W-5	$4,104	$49,248
Commissioned Officer (Prior Enlisted)
O-1E	$3,879	$46,548
O-2E	$3,936	$47,232
O-3E	$4,026	$48,312
Commissioned Officer
O-1	$3,630	$43,560
O-2	$3,834	$46,008
O-3	$3,945	$47,340
O-4	$4,128	$49,536
O-5	$4,263	$51,156
O-6	$4,299	$51,588
O-7	$4,332	$51,984

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,586	$31,032
E-2	$2,586	$31,032
E-3	$2,586	$31,032
E-4	$2,586	$31,032
E-5	$3,042	$36,504
E-6	$3,312	$39,744
E-7	$3,450	$41,400
E-8	$3,648	$43,776
E-9	$3,711	$44,532
Warrant Officer
W-1	$3,408	$40,896
W-2	$3,645	$43,740
W-3	$3,723	$44,676
W-4	$3,840	$46,080
W-5	$3,882	$46,584
Commissioned Officer (Prior Enlisted)
O-1E	$3,591	$43,092
O-2E	$3,696	$44,352
O-3E	$3,828	$45,936
Commissioned Officer
O-1	$3,297	$39,564
O-2	$3,549	$42,588
O-3	$3,744	$44,928
O-4	$3,867	$46,404
O-5	$3,885	$46,620
O-6	$3,921	$47,052
O-7	$3,993	$47,916

28 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Hawaii County (HI409) Military Housing Area:

96704 96710 96718 96719 96720 96725 96727 96728 96737 96738 96740 96743 96749 96750 96755 96760 96764 96771 96772 96773 96774 96776 96777 96778 96780 96781 96783 96785

Frequently Asked Questions

What is the BAH rate for an E-5 in Hawaii County?

The 2026 BAH rate for an E-5 with dependents in Hawaii County, HI is $3,594 per month ($43,128 per year). Without dependents, the rate is $3,042 per month.

How many ZIP codes are in the Hawaii County MHA?

The Hawaii County Military Housing Area (HI409) includes 28 ZIP codes.

What is BAH and how is it calculated?

Basic Allowance for Housing (BAH) is a U.S. military benefit that provides service members with housing compensation based on their duty station location, pay grade, and dependency status. Rates are set annually by the Department of Defense based on local rental market data.

Data Sources

Defense Travel Management Office — BAH Rates
Rates effective January 1, 2026

Last verified: February 2026

What's Next?

Calculate Total Pay See your full compensation: Base Pay + BAH + BAS Calculate → Take-Home Pay Calculate net pay after taxes and deductions Calculate → GI Bill Benefits BAH determines your GI Bill housing allowance Calculate →

Popular BAH Locations

San Diego, CA$3,975 Norfolk, VA$2,430 San Antonio, TX$1,869 Fort Bragg, NC$1,806 Colorado Springs, CO$2,358 Jacksonville, FL$2,181 Honolulu, HI$3,663 Tacoma, WA$2,556

View all Hawaii BAH rates →

How Hawaii County, HI BAH compares nationally

Hawaii County, HI is the 22nd most expensive of the 299 military housing areas nationwide — an E-5 with dependents draws $3,594/mo here, 57% above the national MHA average of $2,289. Rates this high usually track tight rental markets, so run the numbers before deciding to live on the local economy.

This is the lowest-rate MHA of the 4 in the state; the highest, Maui County, HI, pays the same E-5 $735 more per month.

Across enlisted grades here, having dependents adds an average of $611/mo (21.6%) to the allowance. The with/without-dependents gap is set per location, so it differs from base to base — use the tables above for your exact grade.

Comparisons computed from the official 2026 BAH rate file across all 299 market-priced MHAs (county cost groups excluded). Benchmark grade: E-5 with dependents.