Compare military bases / MCAS Cherry Point → MCB Hawaii
Cherry Point → MCB Hawaii
Compare MCAS Cherry Point and MCB Hawaii
Will my BAH (Basic Allowance for Housing) go up or down if I move from MCAS Cherry Point to MCB Hawaii?
This calculator uses 2026 DTMO (Defense Travel Management Office) rates for selected pay grade and dependent status.
Monthly BAH at E-5 pay grade without dependents.
- MCAS Cherry Point
- $1,722
- MCB Hawaii
- $2,856
- Higher BAH at MCB Hawaii
BAH vs typical 2-bedroom rent nearby.
- MCAS Cherry Point
- $382/mo left over
- MCB Hawaii
- $6/mo left over
Housing just outside the gate: Havelock vs Kaneohe
Rents shown on table are the 40th-percentile for 2 and 3 bedroom figures for the residential ZIP code nearest the base.
| MCAS Cherry Point Havelock 28532 | MCB Hawaii Kaneohe 96744 | |
|---|---|---|
| Median home value (city) | $207,700 | $1,029,700 |
| Median gross rent (city) | $1,280/mo | $2,269 |
| HUD ZIP 2-BR rent | $1,340/mo | $2,850 |
| HUD ZIP 3-BR rent | $1,800/mo | $3,960 |
| HUD metro 2-BR rent (wider area) | $1,184/mo | $2,642 |
| E-5 without dependents minus 2-BR | +$382/mo | +$6/mo |
| E-5 with dependents minus 3-BR | +$51/mo | −$297/mo |
E-5 without dependents vs a HUD 2-bedroom is +$382/mo at MCAS Cherry Point vs +$6/mo at MCB Hawaii. E-5 with dependents vs a 3-bedroom is +$51/mo vs −$297/mo.
Host-state comparison: North Carolina vs. Hawaii
| North Carolina | Hawaii | |
|---|---|---|
| Sales tax | 7.00% | 4.50% |
| Property tax | 0.66% | 0.29% |
| Personal property tax | Yes — 1.10% effective | No |
| Top state income tax | 3.99% | 11.0% |
| Median home value | $339,594 | $834,025 |
| Branch | Marine Corps | Marine Corps |
| HUD 2-BR FMR | $1,184 | $2,642 |
| Climate high/low | 65° / 46°F | 85° / 72°F |
| Annual precip | 45.3 in | 16.4 in |
| Nearby city | Havelock | Kaneohe |
| Host state | North Carolina | Hawaii |
Click here for the full state comparison: North Carolina → Hawaii
PCS checklist for MCB Hawaii
- Update DEERS. BAH at MCB Hawaii uses MHA HI408 (ZIP 96863).
- Look up your exact rate on the DTMO BAH lookup.
- HUD 2-bedroom FMR near MCB Hawaii is $2,642/mo. On-base housing is separate.
- New Hawaii residents typically have 30 days for a license and 30 days to title a car.
- Reporting: MCB Hawaii.
Biggest differences
- E-5 with-dependents BAH is higher at MCB Hawaii ($3,663 vs $1,851).
- Median owner-occupied home value in the off-base city is $1,029,700 in Kaneohe vs $207,700 in Havelock (Census ACS 5-year, 2020–2024).
- HUD ZIP 2-bedroom rent just outside the gate is $2,850 in 96744 vs $1,340 in 28532.
- Host-state wage tax is Flat 3.99% in North Carolina vs Top listed rate 11.0% in Hawaii (military pay usually follows legal residence, not the duty station).
- Combined sales tax averages 4.5% in Hawaii vs 7% in North Carolina.
Common questions
Does BAH go up from MCAS Cherry Point to MCB Hawaii?
DTMO CY2026 with- and without-dependents rates for every pay grade are in the BAH table on this page. E-5 with dependents: $1,851 vs $3,663; without dependents: $1,722 vs $2,856.
What do homes cost in Havelock vs Kaneohe?
Census ACS 5-year (2020–2024) median value of owner-occupied homes is $207,700 in Havelock city, North Carolina vs $1,029,700 in Kaneohe CDP, Hawaii. Median gross rent in those cities is $1,280 vs $2,269. These are city medians (owners’ reported values), not last month’s sale prices.
What is local rent like near MCB Hawaii?
HUD FY2026 Small Area FMR for ZIP 96744 (Kaneohe) is $2,850/mo for a 2-bedroom and $3,960/mo for a 3-bedroom. The wider metro 2-BR FMR is $2,642/mo.
Will BAH cover off-base rent if I PCS from MCAS Cherry Point to MCB Hawaii?
E-5 without dependents minus a HUD 2-bedroom is +$382/mo at MCAS Cherry Point vs +$6/mo at MCB Hawaii. E-5 with dependents minus a 3-bedroom is +$51/mo vs −$297/mo. Use the calculator for other pay grades. Actual listings vary; BAH is untaxed housing pay, not a rent cap.
Does my state income tax change if I PCS from MCAS Cherry Point to MCB Hawaii?
Usually not just because the duty station changes. Military pay generally follows legal residence under the Servicemembers Civil Relief Act; spouses may have similar protection. North Carolina: Flat 3.99%. Hawaii: Top listed rate 11.0%. BAH is not taxed. Sales tax and titling a car follow the state you live in.
How does sales tax near MCB Hawaii compare with MCAS Cherry Point?
Combined sales tax averages 4.5% in Hawaii vs 7% in North Carolina. This follows where you live, not legal residence for military pay.
How long do I have for a license and car title if I PCS to MCB Hawaii?
New Hawaii residents typically have 30 days for a license and 30 days to title a car (60 and 60 days in North Carolina).
Related PCS
MCB Hawaii → MCAS Cherry Point · Camp Lejeune → MCAS Cherry Point
Your PCS
Only destinations that share a service with the origin are listed.
Sources
Housing figures below are for the installation (MHA, HUD rent, climate). Host-state tax rates are statewide averages — not a tax return. County add-ons can differ, and wage tax on military pay follows legal residence, not the duty station.
- BAH (with and without dependents). DTMO CY2026 BAH tables for MCAS Cherry Point (NC177); MCB Hawaii (HI408). Confirm current rates on the DTMO BAH lookup.
- 2-bedroom Fair Market Rent. HUD FY2026 FMR — Craven County $1,184; Honolulu County $2,642.
- Off-base ZIP rent (HUD Small Area FMR). FY2026 ZIP 2- and 3-bedroom 40th-percentile rents from the HUD Small Area FMR tables: 28532 (Havelock) $1,340 / $1,800; 96744 (Kaneohe) $2,850 / $3,960.
- Off-base city home value and rent. U.S. Census Bureau American Community Survey 5-year 2020–2024 tables B25077 (median value of owner-occupied homes) and B25064 (median gross rent) for Havelock city, North Carolina ($207,700, $1,280/mo) and Kaneohe CDP, Hawaii ($1,029,700, $2,269/mo). Owner-reported values, not transaction prices.
- Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — New Bern (NWS) (USW00013781); Honolulu Intl (NWS) (USW00022521).
- Host-state wage tax. Statewide listed rates for North Carolina and Hawaii from the Tax Foundation 2026 individual income-tax tables. On this page they describe the host state, not automatically the tax on a military LES (legal residence can stay put). BAH is untaxed.
- Combined sales tax near the installation. Tax Foundation January 2026 state-and-local sales-tax averages for North Carolina and Hawaii. Used as an off-base shopping stand-in; city and county add-ons vary.
- Effective property tax if you buy off-base. Tax Foundation 2026 property taxes by state for North Carolina and Hawaii. On-base housing is not in this figure.
- Vehicle title tax and new-resident clocks. North Carolina motor-vehicle agency (license 60 days, title 60 days; title tax 3.00%); Hawaii motor-vehicle agency (license 30 days, title 30 days; title tax 4.00%). These are host-state motor-vehicle rules, not BAH.
- Vehicle personal-property tax on the host-state snapshot. WalletHub 2026 vehicle property-tax table for North Carolina and Hawaii. This is a statewide car-tax flag, not real-estate tax and not BAH.
- Statewide median home value on the host-state snapshot. Experian / Zillow March 2026 state medians for North Carolina and Hawaii. Backdrop for off-base purchase prices; on-base housing and BAH are separate.