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City · 16,270 residents · Honolulu County, Hawaii

Schofield Barracks , Hawaii

In Schofield Barracks, typical rent is $3,230 a month. Compared with all of Honolulu County, typical rent is 55% higher and typical household income is 24% lower.

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  • Typical rent

    $3,230a month

    55% above the county

    64% above Hawaii

    • Schofield Barracks
    • Honolulu
    • Hawaii

  • Typical household income

    $80,388a year

    24% below the county

    20% below Hawaii

    • Schofield Barracks
    • Honolulu
    • Hawaii

Source: U.S. Census Bureau, Average 2020–2024

Schofield Barracks is in Honolulu County. The FHA loan limit ($828,000 for a one-unit home), the fair market rents and the help on this page are those of all of Honolulu County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Schofield Barracks apart

What this place has that others do not, from public data, most unusual first.

  1. Schofield Barracks has the 2nd largest share of rent-burdened renters of the 57 cities in Hawaii with more than 5,000 people (82%).

  2. Nearby, in Wahiawa, the typical rent is $1,546: 52% less than in Schofield Barracks ($3,230).

  3. The typical rent in Schofield Barracks is $3,230 a month, 55% more than in Honolulu County as a whole ($2,083).

  4. Schofield Barracks has the 3rd lowest typical household income of the 58 cities in Hawaii with more than 5,000 people ($80,388).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Schofield Barracks

What homes there are in Schofield Barracks, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Schofield Barracks there is a bit of everything: no kind of home reaches half. The most common are attached houses (townhouses) (60%), more than in Honolulu County (11%).

Year built

Here half of the homes date from 2001 or later; in Honolulu County, from 1977 or later.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Monthly rent with utilities

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Rents in Schofield Barracks rose more slowly than in Honolulu County: 9% since 2015–2019, against 19%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSchofield BarracksHonolulu CountyHawaiiUnited States
Rental vacancy Unreliable estimate5.6%7.4%5.5%
More than one person per room Unreliable estimate8.9%8.8%3.4%
People per household 3.102.852.852.53
Drive alone 56%63%65%69%
Carpool 11%14%14%9%
Public transit Unreliable estimate5%4%3%
Walk or bike 28%6%5%3%
Work from home 3%9%10%15%
Other means 3%3%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 3.10 on average, against 2.85 in Honolulu County.

In Schofield Barracks, 28% of workers walk or bike to work; in Honolulu County, 6%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Schofield Barracks?

The Census Bureau publishes no typical home value or typical household income for Schofield Barracks, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The Census Bureau publishes no typical home value for Schofield Barracks, so the calculator starts with the one for Honolulu County: $897,500. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of Honolulu County. Change the price, the down payment or the loan type and see how your payment changes.

The calculator's FHA and conventional loan limits are those of all of Honolulu County.

Your numbers

Local data
$

Starts at the typical home value in Schofield Barracks. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $31,413 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$7,095

at 7.18% · 30 years

Loan amount
$881,244
Total interest
$1,267,903
Paid off in
November 2056

Includes $15,157 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,876 a month

  • Tight

    $1,876 to $2,412 a month

  • Hard

    more than $2,412 a month

    Your payment · 106%

Compared with the typical household income in Schofield Barracks ($80,388 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,095
Principal & interest$5,970
Property tax$209
Home insurance$374
FHA mortgage insurance (MIP)$541

This loan is over the FHA limit

You'd borrow $866,087, but the FHA limit for a one-unit home in Schofield Barracks is $828,000. You'd need a bigger down payment or a different loan.

You need at least $31,413 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Schofield Barracks and Honolulu County

Schofield Barracks is in Honolulu County, Hawaii. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Schofield Barracks's own numbers

Typical monthly rent
$3,230
Typical yearly household income
$80,388

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Honolulu County

FHA limit, one-unit home
$828,000
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,542
Price change over 5 years (FHFA)
+37%
Homes in a high flood-risk zone
4.9%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Honolulu County.

Everything about Honolulu County

Buying

Buying a home in Schofield Barracks

The Census Bureau publishes no typical home value for Schofield Barracks. Below are the numbers for Honolulu County.

How prices have changed in Honolulu County

According to FHFA’s house price index, home prices in Honolulu County rose 59% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Honolulu County.

Period County Hawaii U.S.
Last year (2025) +1.4% +2.9% +2.9%
5 years (2020–2025) +37% +46% +47%
10 years (2015–2025) +59% +73% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Schofield Barracks next to Honolulu County, Hawaii and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical monthly rent
  • Schofield Barracks $3,230
  • Honolulu $2,083
  • Hawaii $1,971
  • United States $1,413
Typical yearly household income
  • Schofield Barracks $80,388
  • Honolulu $106,195
  • Hawaii $100,389
  • United States $80,734
See the full table
Schofield Barracks next to Honolulu County and Hawaii
Measure Schofield Barracks Honolulu County Hawaii U.S.
Typical monthly rent $3,230 $2,083 $1,971 $1,413
Typical yearly household income $80,388 $106,195 $100,389 $80,734
Renters with high rent for their income 82% 58% 57% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Honolulu County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Schofield Barracks

The Census Bureau publishes no typical home value for Schofield Barracks, so we don't build this table. You can enter the price you're looking for in the calculator above.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Schofield Barracks and for Honolulu County.

Property tax

Data not available for this place

What Hawaii publishes Each county runs its own property tax (Hawaii Department of Taxation)

Exemptions and deadlines in Hawaii

Flood risk in Honolulu County

FEMA does not publish these numbers by city: they are for all of Honolulu County.

Homes in the high-risk zone
4.9%
8,317
Of those, with NFIP insurance
54%
County Hawaii U.S.
Homes in the high-risk zone 4.9% 2.7% 3.5%
Of those, with NFIP insurance 54% 88% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Schofield Barracks

Typical rent in Schofield Barracks is $3,230 a month: 55% above the county. In Schofield Barracks, 82% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Honolulu County, by unit size. To pay the 2-bedroom one ($2,542 a month) without spending more than 30% of your income, you would need to earn $48.88 an hour working full time.

HUD fair market rent for all of Honolulu County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,836 $35.31 $73,440
1 bedroom $1,951 $37.52 $78,040
2 bedrooms $2,542 $48.88 $101,680
3 bedrooms $3,520 $67.69 $140,800
4 bedrooms $4,249 $81.71 $169,960

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Schofield Barracks

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Schofield Barracks has 2 ZIP codes with their own.

For 2 bedrooms it is $3,020 in all of them.

2 of the 2 are above the fair market rent for Honolulu County ($2,542).

  • 96786 $3,020$4,180
  • 96857 $3,020$4,180

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Schofield Barracks when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Schofield Barracks

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 9 HUD-approved agencies with an office in Honolulu County; 2 say they serve in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Schofield Barracks

1 program is for Schofield Barracks or Honolulu County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in Hawaii: they work in Schofield Barracks the same as in the rest of the state.

Which programs do I qualify for? All programs in Hawaii

  • Down Payment Loan Program

    For Honolulu County

    City and County of Honolulu loan, with federal HOME funds, of up to $40,000 at 0% and with no fees, for the down payment only, repaid over 20 years; for first-time buyers on Oʻahu with incomes up to 80% of the area median who put down at least 5% of the price. Offered by City and County of Honolulu Department of Community Services (DCS).

    Repayable

    See the program Official page

  • Hale Kamaʻāina Mortgage Program

    Statewide in Hawaii

    Hawaii state corporation 30-year fixed mortgage for first-time buyers, with optional down payment assistance whose terms the agency has not yet published. Offered by Hawaiʻi Housing Finance & Development Corporation (HHFDC).

    Type not stated

    See the program Official page

Housing counselors near Schofield Barracks

The HUD-approved agencies closest to the center of Schofield Barracks, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • LEGAL AID SOCIETY OF HAWAII - Waianae Branch

    85-670 Farrington Hwy Ste A, Waianae · 9 miles away

    • Mortgage delinquency and default
    (808) 696-6322

  • Council for Native Hawaiian Advancement

    91-1270 Kinoiki St, Kapolei · 11 miles away

    Also serves in other languages.

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (808) 596-8155

  • Nanakuli Housing Corporation

    91-1041 Midway Rd, Kapolei · 12 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (808) 520-2607

Every agency in Honolulu County All counseling agencies in Hawaii

Help in Spanish near Schofield Barracks

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Schofield Barracks

HUD’s record names them for Schofield Barracks or Honolulu County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

2 other authorities have an office in Honolulu County: see the list Source: HUD

Cities

Other cities in Honolulu County

These cities are also in Honolulu County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Honolulu County Housing in Hawaii
See 24 more cities in Honolulu County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Schofield Barracks, with the typical home value.

Neighboring counties

If Honolulu County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Schofield Barracks.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Schofield Barracks

Short answers with the numbers for Schofield Barracks and all of Honolulu County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does it cost to rent in Schofield Barracks?

Typical rent in Schofield Barracks is $3,230 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Honolulu County is $2,542.

What is the FHA loan limit in Schofield Barracks?

Schofield Barracks uses the FHA limit for all of Honolulu County (2026): $828,000 for a one-unit home and $1,592,350 for a four-unit home.

Where can I find free help to buy or rent in Schofield Barracks?

There are 9 HUD-approved counseling agencies with an office in Honolulu County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).