CONTACT A VA LOAN SPECIALIST:
The 2021 Basic Allowance for Housing (BAH) rates take effect on January 1, 2021. For active duty military members moving to Hawaii in 2021, these are their monthly rates for housing. However, for service members already stationed in Hawaii, their BAH rate will be the higher of their current rate or the new 2021 BAH rate.
Update: The 2022 BAH rates take effect on January 1, 2022. GO HERE to see the 2022 rates and their condo and single family home purchase price conversions for Hawaii.
2021 BAH Rates for Honolulu County, Hawaii
Source: Defense Travel Management Office
| Grade | With Dependents | No Dependents |
| E01 | $2,823 | $2,118 |
| E02 | $2,823 | $2,118 |
| E03 | $2,823 | $2,118 |
| E04 | $2,823 | $2,118 |
| E05 | $2,991 | $2,412 |
| E06 | $3,012 | $2,667 |
| E07 | $3,189 | $2,829 |
| E08 | $3,390 | $3,000 |
| E09 | $3,588 | $3,006 |
| W01 | $3,024 | $2,769 |
| W02 | $3,273 | $2,997 |
| W03 | $3,519 | $3,009 |
| W04 | $3,618 | $3,048 |
| W05 | $3,738 | $3,234 |
| O01E | $3,231 | $2,991 |
| O02E | $3,480 | $3,003 |
| O03E | $3,633 | $3,015 |
| O01 | $3,000 | $2,652 |
| O02 | $3,009 | $2,937 |
| O03 | $3,507 | $3,012 |
| O04 | $3,777 | $3,201 |
| O05 | $3,966 | $3,315 |
| O06 | $4,002 | $3,498 |
| O07 | $4,032 | $3,561 |
The 2021 BAH rates are based on the current local median market rent and average household utilities (including electricity, heat, and water/sewer) in each military housing area (MHA); and incorporate a five percent out-of-pocket amount.
2021 BAH to Purchase Price Conversion Matrices for Honolulu County
The BAH matrices below detail the estimated Condo Purchase Price and Single Family Dwelling (SFD) Purchase Price service members can afford using their monthly BAH rate solely as their mortgage payment at 3.00% interest rate.
Keep in mind, interest rates vary depending on several factors. and your personal VA Loan Specialist determines the current interest rate at the time of your purchase.
In addition, the estimated purchase prices in the BAH matrices do not reflect extra income (from employed spouses for example) in the monthly mortgage payment. Therefore, one’s pre-approval amount will vary depending on their debt-to-income ratio and additional income.
Get pre-approved to find out exactly what purchase price you can afford. Most importantly, there is no down payment requirement for VA buyers with full entitlement.
2021 BAH to Purchase Price Conversion Matrix With Dependents for Honolulu County
2021 BAH to Purchase Price Conversion Matrix With No Dependents for Honolulu County
*Download High Quality versions of the 2021 BAH Matrices for free HERE.
Next, contact Hawaii VA Loans at 808-792-4251 to talk with a VA Loan Specialist or fill out this secure online loan application. Once submitted, we’ll reach out to you!
