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2026 BAH vs. rent · Joint Base Pearl Harbor-Hickam

Joint Base Pearl Harbor-Hickam BAH vs. Rent (2026)

E-4 with dependents: $3,333/mo BAH vs. HUD’s Fair Market Rent for a 2-bedroom at $2,642 → $691 left over.

The short version

  • An E-4 with dependents gets $3,333 a month. HUD’s Fair Market Rent for a 2-bedroom here, which includes utilities, is $2,642 ($691 left over).
  • With dependents, a 3-bedroom at HUD’s Fair Market Rent ($3,674): covered from E-6 up.
  • Without dependents, a 1-bedroom at HUD’s Fair Market Rent ($2,016): covered at every pay grade shown.
  • BAH is meant to cover rent plus average utilities and renter’s insurance. HUD’s Fair Market Rent includes utilities; posted rents usually don’t, so leave room for power, water and internet.
  • You keep whatever BAH you don’t spend on housing, and your rate is set by your duty-station ZIP, not by where you choose to live.

Typical rent near Joint Base Pearl Harbor-Hickam by bedrooms

SizePosted near base (median starting rent)HUD FMR FY2026
Studionot enough posted$1,877
1 bedroomnot enough posted$2,016
2 bedroomsnot enough posted$2,642
3 bedroomsnot enough posted$3,674
4+ bedroomsnot enough posted$4,432

Posted: rents listed on the properties’ own websites, within 25 miles. HUD FMR: Urban Honolulu, HI MSA (Honolulu County, HI), rent plus utilities.

With dependents: BAH vs. a 2-bedroom

With dependents, monthly BAH minus a typical 2-bedroom. + means money left over, − means short.
Pay grade2026 BAHAfter HUD FMR ($2,642)
E-1$3,333+$691
E-3$3,333+$691
E-4$3,333+$691
E-5$3,663+$1,021
E-6$3,912+$1,270
E-7$4,098+$1,456
E-8$4,302+$1,660
W-2$4,182+$1,540
O-1$3,702+$1,060
O-2$3,909+$1,267
O-3$4,428+$1,786
O-4$4,737+$2,095
O-5$4,959+$2,317

Without dependents: BAH vs. a 1-bedroom

Without dependents, monthly BAH minus a typical 1-bedroom. + means money left over, − means short.
Pay grade2026 BAHAfter HUD FMR ($2,016)
E-1$2,598+$582
E-3$2,598+$582
E-4$2,598+$582
E-5$2,856+$840
E-6$3,036+$1,020
E-7$3,348+$1,332
E-8$3,720+$1,704
W-2$3,717+$1,701
O-1$2,997+$981
O-2$3,555+$1,539
O-3$3,819+$1,803
O-4$4,110+$2,094
O-5$4,224+$2,208

All pay grades: Joint Base Pearl Harbor-Hickam BAH table.

Where these numbers come from

  • BAH: U.S. Department of Defense, Defense Travel Management Office, 2026 BAH rates, housing area Honolulu County, HI (HI408). Your finance office has the final word.
  • Posted rents (our data): not enough communities near Joint Base Pearl Harbor-Hickam post checked rents yet for a reliable median, so this page compares BAH with HUD’s Fair Market Rents.
  • HUD Fair Market Rents: U.S. Department of Housing and Urban Development, FY2026 Fair Market Rents (revised county-level file, read November 1, 2026), Urban Honolulu, HI MSA, for Honolulu County, HI. HUD’s estimate of the 40th-percentile rent including utilities for a standard unit; not a listing. HUD FMR data

Questions

What is the 2026 BAH at Joint Base Pearl Harbor-Hickam for an E-4 with dependents?

$3,333 a month with dependents and $2,598 without, for the Honolulu County, HI housing area (HI408), per the Defense Department’s 2026 BAH rates.

Does BAH cover rent near Joint Base Pearl Harbor-Hickam?

For a 2-bedroom at HUD’s Fair Market Rent ($2,642), an E-4 with dependents has $691 left over and an E-5 with dependents has $1,021 left over. The tables on this page show every grade from E-1 to O-5.

What is the average rent for a 2-bedroom near Joint Base Pearl Harbor-Hickam?

Not enough communities near Joint Base Pearl Harbor-Hickam post 2-bedroom rents for a reliable median yet. HUD’s FY2026 Fair Market Rent for a 2-bedroom in the Urban Honolulu, HI MSA is $2,642 a month, including utilities.

What pay grade can afford a 3-bedroom near Joint Base Pearl Harbor-Hickam on BAH?

With dependents, BAH covers HUD’s Fair Market Rent for a 3-bedroom ($3,674) from E-6 up.

Do I have to spend all of my BAH on rent?

No. BAH is a fixed monthly allowance for your pay grade, dependency status and duty station. If your rent and utilities cost less, you keep the difference; if they cost more, you pay the gap.

Is BAH at Joint Base Pearl Harbor-Hickam based on where I live?

No. BAH is based on the ZIP code of your permanent duty station, so living farther from Joint Base Pearl Harbor-Hickam doesn’t change your rate. Confirm your exact rate with your finance office.

See rentals near Joint Base Pearl Harbor-Hickam

Joint Base Pearl Harbor-Hickam base page · BAH tool · 2027 BAH: not out yet

BAH figures are from the Defense Department’s published 2026 rates. Near Base Rentals is not affiliated with the Department of Defense. Rents change; confirm with the property.