{
  "title": "2026 Basic Allowance for Housing (BAH), Honolulu County, HI (MHA HI408)",
  "mha_code": "HI408",
  "mha_name": "Honolulu County, HI",
  "calendar_year": 2026,
  "effective_date": "2026-01-01",
  "currency": "USD",
  "unit": "per month",
  "applies_to": "Every Oahu installation sits in MHA HI408. Verified 2026-10-01 for ZIPs 96857 (Schofield Barracks), 96860 (Pearl Harbor), 96863 (MCBH Kaneohe Bay), 96858 (Fort Shafter), 96859 (Tripler AMC), all returning HONOLULU COUNTY, HI (HI408) with identical E-5 rates.",
  "official_source": {
    "publisher": "Defense Travel Management Office (DTMO)",
    "lookup_page": "https://www.travel.dod.mil/Allowances/Basic-Allowance-for-Housing/BAH-Rate-Lookup/",
    "query_endpoint_used": "https://www.defensetravel.dod.mil/neorates/report/index.php?report=bah&YEAR=26&Zipcode=96857&Rank=<1-24>",
    "annual_file": "https://www.travel.dod.mil/Portals/119/Documents/BAH/BAH_Rates_All_Locations_All_Pay_Grades/ASCII/BAH-ASCII-2026.zip (returned HTTP 403 to box curl; not used)"
  },
  "retrieved": "2026-10-01",
  "retrieved_by": "RealityCents Marketing via DTMO rate query (24 pay grades, ZIP 96857)",
  "cross_check": "Matches realitycents repo frontend/client/src/lib/militaryPayData.ts BAH_HONOLULU (origin/main 8c103e6) for all 24 grades; matches VA article range $3,333 (E-4 and below, with dependents) to $4,959 (O-5).",
  "notes": [
    "BAH rate protection: members keep the higher of the Jan 1 published rate or their Dec 31 rate while eligibility is unchanged (DTMO).",
    "Rates are monthly allowances, not income guarantees; verify your own rate at the DTMO lookup."
  ],
  "rates": [
    {
      "pay_grade": "E-1",
      "with_dependents": 3333,
      "without_dependents": 2598
    },
    {
      "pay_grade": "E-2",
      "with_dependents": 3333,
      "without_dependents": 2598
    },
    {
      "pay_grade": "E-3",
      "with_dependents": 3333,
      "without_dependents": 2598
    },
    {
      "pay_grade": "E-4",
      "with_dependents": 3333,
      "without_dependents": 2598
    },
    {
      "pay_grade": "E-5",
      "with_dependents": 3663,
      "without_dependents": 2856
    },
    {
      "pay_grade": "E-6",
      "with_dependents": 3912,
      "without_dependents": 3036
    },
    {
      "pay_grade": "E-7",
      "with_dependents": 4098,
      "without_dependents": 3348
    },
    {
      "pay_grade": "E-8",
      "with_dependents": 4302,
      "without_dependents": 3720
    },
    {
      "pay_grade": "E-9",
      "with_dependents": 4518,
      "without_dependents": 3783
    },
    {
      "pay_grade": "W-1",
      "with_dependents": 3930,
      "without_dependents": 3222
    },
    {
      "pay_grade": "W-2",
      "with_dependents": 4182,
      "without_dependents": 3717
    },
    {
      "pay_grade": "W-3",
      "with_dependents": 4434,
      "without_dependents": 3795
    },
    {
      "pay_grade": "W-4",
      "with_dependents": 4551,
      "without_dependents": 3951
    },
    {
      "pay_grade": "W-5",
      "with_dependents": 4692,
      "without_dependents": 4146
    },
    {
      "pay_grade": "O-1E",
      "with_dependents": 4137,
      "without_dependents": 3660
    },
    {
      "pay_grade": "O-2E",
      "with_dependents": 4398,
      "without_dependents": 3768
    },
    {
      "pay_grade": "O-3E",
      "with_dependents": 4572,
      "without_dependents": 3903
    },
    {
      "pay_grade": "O-1",
      "with_dependents": 3702,
      "without_dependents": 2997
    },
    {
      "pay_grade": "O-2",
      "with_dependents": 3909,
      "without_dependents": 3555
    },
    {
      "pay_grade": "O-3",
      "with_dependents": 4428,
      "without_dependents": 3819
    },
    {
      "pay_grade": "O-4",
      "with_dependents": 4737,
      "without_dependents": 4110
    },
    {
      "pay_grade": "O-5",
      "with_dependents": 4959,
      "without_dependents": 4224
    },
    {
      "pay_grade": "O-6",
      "with_dependents": 5001,
      "without_dependents": 4413
    },
    {
      "pay_grade": "O-7+",
      "with_dependents": 5040,
      "without_dependents": 4494
    }
  ]
}