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Schofield Barracks: 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 Schofield
2026 BAH at Schofield Barracks
Military Housing Area HI408: Honolulu County, HI. Duty ZIP 96857. 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 Schofield
| 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 Schofield Barracks?
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 Schofield Barracks?
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 Schofield Barracks?
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 Schofield Barracks?
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.