Where should we live on Oahu?
Tell us your base and what matters to your family. We'll match you to neighborhoods using real commute ranges and real sale prices.
Automatic from the official Oahu COLA index (120, effective July 16, 2025) with your grade, service years and dependent status, computed from DTMO's published annual compensation and spendable income tables. The with-dependents estimate assumes one command-sponsored dependent; enter your LES amount for your exact figure. COLA is not a fixed amount and can change every pay period, and your lender must confirm whether it qualifies. Official DoD COLA lookup. Compare with COLA excluded before committing to a fixed payment.
Choose your grade to calculate your housing budget.
BAH uses the supplied 2026 Honolulu chart, not independently verified. COLA is automatic from the official Oahu index with your grade and service, or your LES amount when you override it. Full household uses 50% of gross monthly basic pay, BAH, selected BAS, included COLA and spouse income, minus existing debts. Allowance mode uses 100% of BAH plus included COLA. Both use zero down, a 30-year VA loan and saved tax, insurance and HOA assumptions. Not a loan approval; lenders must verify income, residual income, credit and entitlement. Income and debts are included in your scenario link.
How this works
You pick your installation and describe your priorities. We look up the neighborhoods we publish for that base, with their typical drive ranges and market numbers. An AI then picks the best matches and explains why, using only those facts. It never invents numbers and never describes areas by schools, safety or who lives there.
Frequently asked questions
How accurate are the commute times?
They are typical drive ranges we publish for each base, not live traffic. Drive the route at your real commute time before you commit.
Where do the prices come from?
From the market numbers on our community pages. The AI is only allowed to use those numbers and never makes up its own.
Can I buy a house with a yard on my BAH?
It depends on your rank, the area and your commute. The plan tells you honestly, and on a free call we run your exact BAH numbers.
Do I need to be on island to buy?
No. Many military families buy before they arrive with video tours, a local inspection and remote closing.
Is my information shared?
No. What you type is used only to write your plan and is stored privately so we can improve the tool. We don't sell it.
THIS IS THE STARTING POINT. LET'S MAKE IT YOUR PLAN.
Book a free 1-on-1 with Tristan or Patrick. No pressure, no fluff, just your numbers.
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