The 2025 military Basic Allowance for Housing rates increased by approximately 5.4% when new rates were rolled out on Jan 1, 2025.

Below are those 2025 BAH allowances and our ‘Hawaii VA Loans’ BAH to Purchase Conversion Matrices’, by rank, for enlisted and officers. There are separate rates for service members with dependents and for those without dependents, separated in the 2 charts below.

2025 BAH Rates for Honolulu County, Hawaii

Source: Defense Travel Management Office

GradeWith DependentsWithout Dependents
E01$3,009$2,256
E02$3,009$2,256
E03$3,009$2,256
E04$3,009$2,256
E05$3,321$2,508
E06$3,669$2,751
E07$3,831$3,024
E08$4,008$3,396
E09$4,194$3,492
W01$3,690$2,907
W02$3,906$3,393
W03$4,122$3,507
W04$4,221$3,705
W05$4,341$3,870
O01E$3,864$3,318
O02E$4,089$3,471
O03E$4,236$3,660
O01$3,369$2,694
O02$3,666$3,219
O03$4,116$3,540
O04$4,380$3,840
O05$4,563$3,939
O06$4,599$4,101
O07$4,638$4,176

According to the DOD, median market rents and average utilities (including electricity, heat, and water/sewer) comprise the total housing cost for each military housing area and are included in the Basic Allowance for Housing computation.

2025 BAH to Purchase Price Conversion Matrices for Oahu Condos (Honolulu County)

The BAH matrices below detail the estimated Condo Purchase Prices that Honolulu County (Oahu) service members can afford using their monthly BAH rate solely for their mortgage payment at an estimated 6.5% interest rate.

Note, our ‘Rent $ Paid over 3 Year Period’ illustrates how much money someone would be expected to spend on renting as opposed to buying.

2025 BAH to Purchase Price Conversion Matrix With Dependents for Condos in Honolulu County (Oahu)

2025 BAH to Purchase Price Conversion Matrix Without Dependents for Condos in Honolulu County (Oahu)

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