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Joint Base Pearl Harbor-Hickam: rent or buy? (2026)
E-5 with dependents: $3,663/mo BAH.
- Typical 3BR rent: $3,674 (HUD FY2026). About $11/mo over BAH.
- Typical home: $855,988 in Honolulu County HI (Zillow, Sept 2026).
- VA loan, $0 down: about $6,611/mo with tax and insurance (est.).
- O-3 with dependents: $4,428/mo BAH.
Your plan for JBPHH
2026 BAH at Joint Base Pearl Harbor-Hickam
Military Housing Area HI408: Honolulu County, HI. Duty ZIP 96860. Monthly rates from DTMO, effective Jan 1, 2026. Confirm your ZIP on the DTMO lookup.
| Grade | With dependents | Without |
|---|---|---|
| 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-1E | $4,137 | $3,660 |
| O-2E | $4,398 | $3,768 |
| O-3E | $4,572 | $3,903 |
| 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+ | $5,040 | $4,494 |
Rent near JBPHH
| Size | HUD FY2026 Fair Market Rent |
|---|---|
| Studio | $1,877 |
| 1 bedroom | $2,016 |
| 2 bedrooms | $2,642 |
| 3 bedrooms | $3,674 |
| 4 bedrooms | $4,432 |
Urban Honolulu, HI MSA (Honolulu County HI). 40th-percentile rent including utilities. Zillow ZORI (all sizes, Sept 2026): $3,015.
Buying with a VA loan
- Typical home value
- $855,988 (Zillow ZHVI, Honolulu County HI, Sept 2026)
- Loan, $0 down
- $874,392 incl. 2.15% funding fee (first use)
- Principal + interest
- $6,054/mo at 7.4% (Freddie Mac avg, 2026-10-15)
- Property tax (est.)
- $200/mo (0.28% of value, Census ACS)
- Insurance (placeholder)
- $357/mo
- Total (est.)
- $6,611/mo
- 2026 loan limit
- $1,249,125 (only matters with partial entitlement)
All numbers are estimates for planning. BAH: DTMO 2026. Rent: HUD FY2026 FMR. Home value: Zillow ZHVI, Sept 2026. Rate: Freddie Mac 7.4% (2026-10-15). Tax: Census ACS county median. Insurance: our placeholder (0.5% of value, min $1,200/yr), not a quote.
FAQ
What is the 2026 BAH at Joint Base Pearl Harbor-Hickam?
For an E-5 with dependents it's $3,663 a month; without dependents $2,856. O-3 with dependents: $4,428. Military Housing Area HI408 (Honolulu County, HI). Source: DTMO 2026 rates.
How much is rent near Joint Base Pearl Harbor-Hickam?
HUD's FY2026 Fair Market Rent for Honolulu County HI: $2,642 for 2 bedrooms, $3,674 for 3 bedrooms, including utilities. Zillow's typical observed rent (all sizes) was $3,015 in Sept 2026.
Should I buy a house at Joint Base Pearl Harbor-Hickam?
It depends on how long you'll stay and whether you'd keep it as a rental. Run the planner above with your rank and plans.
What's the VA loan limit near Joint Base Pearl Harbor-Hickam?
With full entitlement there's no VA loan limit. With partial entitlement, VA uses the 2026 FHFA one-unit limit for Honolulu County HI: $1,249,125.