Official DoD rates · 338 housing areas · effective January 1, 2026

BAH Calculator 2026

Enter your duty-station ZIP code and pay grade to get your exact Basic Allowance for Housing for 2026. Rates come straight from the Department of Defense release covering all 338 Military Housing Areas, so this is your real rate, not a national estimate.

Housing area — or enter a ZIP below

Duty station ZIP code Pay grade Dependents

Published rate

BAH is set by duty-station ZIP code, pay grade and dependency status, not by where you live or what your rent actually is. Living outside the military housing area does not change the rate.
Rates are recalculated annually from local rental data. Individual rate protection means a member already at a location does not see a decrease, so a published rate may be lower than what someone currently receives.

Your finance office and your LES confirm the rate actually being paid, including any rate protection.

Full methodology, sources and limitations

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$—/month

BAH is tax-free. On top of it, most members also receive BAS at $476.95/month (enlisted) or $328.48/month (officer). Add base pay with the military pay calculator.

All pay grades at this location

2026 monthly BAH for every grade

Pay grade	With dependents	Without dependents

This table fills in when the calculator runs in your browser, which needs JavaScript. Without it, every 2026 rate for all 338 housing areas is in the published data file, bah-2026-rates.json, from the Department of Defense release.

How BAH is determined

BAH depends on three inputs and nothing else: duty-station ZIP code, pay grade, and dependency status. The DoD groups the country into 338 Military Housing Areas and surveys local rental costs in each one, then publishes a rate per grade. Your own rent does not change your BAH — if you find cheaper housing you keep the difference, and if you spend more you cover it yourself.

Location dominates. For an E-5 with dependents in 2026, the average across all housing areas is $2,225/month, but the spread is enormous:

Highest areas (E-5, with dependents)

SAN FRANCISCO, CA$5,127
NEW YORK CITY, NY$5,070
BOSTON, MA$4,791
NORTHERN NEW JERSEY, NJ$4,749
SANTA CLARA COUNTY, CA$4,659

Lowest areas (E-5, with dependents)

ANNISTON/FORT MCCLELLAN, AL$1,185
YOUNGSTOWN, OH$1,191
MONROE, LA$1,194
VANCE AFB/ENID, OK$1,200
FORT POLK, LA$1,218

That gap is why a national average is close to useless for planning a PCS, and why this page looks up your actual area instead. See also the full 2026 military pay chart for basic pay by rank.

Jump to your installation

48 major installations. Selecting one loads its housing area above; every other area is in the table below.

Every housing area, 2026

All 338 Military Housing Areas the Department of Defense publishes, with the E-5 rate as a common reference point and each area's national rank. Pick any row to load its full table for every pay grade.

Showing all 338 areas

2026 Basic Allowance for Housing, E-5 monthly rate for all 338 Military Housing Areas
Housing area	Installation	E-5 with deps	E-5 without	Rank
MD127		$2,478	$1,986	93
TX270		$1,872	$1,545	208
OH227		$1,581	$1,383	266
GA072		$1,371	$1,242	316
NM206		$2,211	$1,689	137
LA113		$1,290	$1,161	329
PA255		$2,373	$2,001	114
OK235		$1,254	$1,032	332
AK404	Joint Base Elmendorf-Richardson	$2,874	$2,157	61
MI155		$2,559	$1,920	86
MD128		$2,928	$2,475	56
AL001		$1,185	$1,119	338
NC187		$2,214	$1,773	134
OR241		$2,055	$1,713	172
GA071		$2,388	$1,995	109
NJ196		$2,655	$2,298	78
AL006		$1,707	$1,473	239
TX272		$2,241	$1,731	133
NY215		$2,634	$2,073	81
MD129		$2,610	$2,079	82
ME390		$1,893	$1,443	198
CA028	Fort Irwin	$2,001	$1,695	178
LA114		$1,875	$1,557	206
MI152		$1,959	$1,470	187
CA033		$2,967	$2,367	52
SC258		$2,403	$2,103	107
TX273		$1,518	$1,377	284
AL007		$2,439	$1,878	96
ND188		$1,596	$1,287	260
IN399		$1,905	$1,482	196
ID084		$1,926	$1,686	189
MA120		$4,791	$3,615	3
CO422		$2,754	$2,238	68
WA306	Naval Base Kitsap	$2,364	$2,091	117
CA393		$2,085	$1,941	162
TX281		$1,503	$1,248	288
ME136		$2,205	$1,893	139
NY216		$2,214	$1,791	135
VT305		$3,120	$2,427	48
NC178	Camp Lejeune	$1,584	$1,476	265
CA024	Camp Pendleton	$3,963	$3,093	14
NM207		$1,365	$1,107	319
MA124		$3,924	$3,285	15
NJ198		$2,754	$2,172	69
PA247		$2,076	$1,617	164
IL088		$1,539	$1,329	276
SC259		$2,385	$1,941	112
WV323		$1,404	$1,149	306
NC179		$2,169	$1,719	147
VA295		$2,373	$2,034	115
TN266		$1,986	$1,629	184
WY324		$1,653	$1,326	247
IL325		$3,438	$2,736	29
CA021		$1,563	$1,428	270
OH228		$2,283	$1,713	126
OH229		$1,998	$1,500	179
ME141		$2,193	$1,770	140
TX274		$1,758	$1,485	232
CO046	Fort Carson	$2,358	$1,860	119
SC260	Fort Jackson	$1,878	$1,647	203
MO165		$1,377	$1,161	315
MS169		$1,398	$1,158	308
OH230		$1,875	$1,587	207
OR242		$1,779	$1,428	230
TX275		$1,788	$1,413	228
OR245		$2,388	$1,791	111
ZZ510		$1,329	$1,074	327
ZZ520		$1,332	$1,077	326
ZZ530		$1,338	$1,080	325
ZZ540		$1,344	$1,086	323
ZZ550		$1,353	$1,092	322
ZZ560		$1,362	$1,101	320
ZZ570		$1,371	$1,107	317
ZZ580		$1,380	$1,119	313
ZZ590		$1,392	$1,128	311
ZZ600		$1,404	$1,137	307
ZZ610		$1,410	$1,143	305
ZZ620		$1,419	$1,149	303
ZZ630		$1,425	$1,155	302
ZZ640		$1,434	$1,161	301
ZZ650		$1,443	$1,167	300
ZZ660		$1,449	$1,176	299
ZZ670		$1,461	$1,185	298
ZZ680		$1,470	$1,191	296
ZZ690		$1,482	$1,200	292
ZZ700		$1,497	$1,212	289
ZZ710		$1,515	$1,227	285
ZZ720		$1,536	$1,245	279
ZZ730		$1,557	$1,263	271
ZZ740		$1,590	$1,290	263
ZZ750		$1,638	$1,332	253
ZZ760		$1,686	$1,368	244
ZZ770		$1,752	$1,425	234
ZZ780		$1,815	$1,476	219
ZZ790		$1,890	$1,542	200
ZZ800		$1,962	$1,599	186
ZZ810		$2,064	$1,683	169
ZZ820		$2,160	$1,764	149
ZZ830		$2,250	$1,839	132
ZZ840		$2,322	$1,896	121
ZZ850		$2,409	$1,968	105
ZZ860		$2,487	$2,037	92
ZZ870		$2,652	$2,172	80
ZZ880		$2,850	$2,337	64
ZZ890		$3,156	$2,589	45
VA368		$2,313	$2,196	122
GA079		$2,208	$1,938	138
TX277		$2,469	$1,851	94
AZ015	Davis-Monthan AFB	$1,905	$1,428	195
CO045		$2,841	$2,148	66
IA082		$1,770	$1,359	231
MI142		$2,361	$1,770	118
DE054		$2,277	$1,947	128
MN158		$2,064	$1,653	168
NC180		$2,118	$1,770	156
WV454		$2,058	$1,677	171
MD432		$2,121	$1,761	155
CA457		$2,658	$2,148	76
FL056	Eglin AFB	$2,433	$2,157	101
CA420		$1,986	$1,704	181
TX279	Fort Bliss	$1,809	$1,437	221
NC181		$2,508	$1,980	90
PA253		$1,464	$1,329	297
MA125		$3,477	$2,910	25
OR246		$2,187	$1,827	142
WA307		$2,748	$2,277	70
AK405	Fort Wainwright	$2,436	$1,827	98
NV211		$1,596	$1,455	261
ND189		$1,707	$1,281	240
AR411		$1,782	$1,437	229
MA123		$3,093	$2,763	49
FL069		$3,969	$3,459	13
GA075	Fort Benning	$1,716	$1,482	238
NC182	Fort Bragg	$1,806	$1,527	223
KY106	Fort Campbell	$1,815	$1,593	218
AR012		$1,263	$996	331
CO047		$2,268	$1,812	130
MD130		$2,682	$2,160	75
NY225	Fort Drum	$1,665	$1,422	246
MD133	Fort Meade	$2,901	$2,436	60
GA073	Fort Gordon	$1,890	$1,644	199
TX286	Fort Hood	$1,695	$1,530	243
AZ014	Fort Huachuca	$1,719	$1,347	237
KY110	Fort Knox	$1,647	$1,443	249
KS102		$1,815	$1,569	217
MO163	Fort Leonard Wood	$1,479	$1,290	293
NJ200		$3,549	$2,940	23
FL424		$2,694	$2,295	72
FL423		$2,691	$2,193	73
LA115	Fort Polk	$1,218	$1,128	334
KS100	Fort Riley	$1,314	$1,158	328
AL002		$1,572	$1,251	268
OK237	Fort Sill	$1,233	$1,092	333
GA080	Fort Stewart	$2,310	$1,947	123
IN097		$1,947	$1,503	188
TX356		$2,118	$1,656	157
KY339		$1,410	$1,104	304
CA022		$2,439	$1,842	97
FL057		$2,040	$1,800	174
TX284		$1,578	$1,230	267
ND190		$1,731	$1,299	236
MI148		$2,181	$1,740	146
MI154		$2,148	$1,635	151
IL092		$2,427	$1,854	103
NC184		$1,809	$1,440	220
SC261		$1,923	$1,551	190
MS168		$1,602	$1,365	259
MA126		$2,388	$2,007	110
VA297	Langley AFB	$2,274	$1,779	129
MA377		$4,188	$3,516	10
CT050		$2,901	$2,274	59
MS172		$1,395	$1,194	309
HI409		$3,594	$3,042	22
MT347		$1,887	$1,572	202
NM205		$1,590	$1,197	262
HI408	Joint Base Pearl Harbor-Hickam	$3,663	$2,856	20
TX282		$2,193	$1,665	141
CA042		$1,827	$1,587	214
WV322		$1,533	$1,188	280
AL003		$1,797	$1,443	225
MD134		$3,249	$2,904	40
IN094		$1,875	$1,533	204
MS170		$1,920	$1,608	192
FL058	Naval Station Mayport	$2,181	$1,803	145
NJ204		$2,823	$2,421	67
TN353		$1,548	$1,287	274
AK402		$3,354	$2,517	33
MO160		$1,986	$1,596	182
HI414		$3,798	$3,162	17
AK400		$2,868	$2,151	62
GA074		$2,133	$1,806	153
TN267		$2,184	$1,809	143
AK403		$2,865	$2,148	63
LA118		$1,584	$1,245	264
LA370		$1,356	$1,197	321
MI153		$1,806	$1,356	222
TX278		$1,470	$1,209	295
CA023		$2,139	$1,680	152
KY107		$1,875	$1,440	205
VA303		$1,536	$1,275	278
NE193		$1,788	$1,428	227
AR010		$1,848	$1,548	212
NY218		$4,425	$3,600	7
CA037		$3,882	$3,048	16
KY109		$1,989	$1,533	180
TX283		$1,476	$1,272	294
WI316		$2,655	$1,995	79
MT175		$1,608	$1,392	257
NH195		$3,177	$2,613	44
CA027		$3,303	$2,967	37
MI143		$1,821	$1,365	216
MA151		$3,984	$3,096	11
HI407		$4,329	$3,246	9
TN268		$2,154	$1,719	150
MS171		$1,290	$1,062	330
FL061		$3,660	$3,048	21
WI317		$2,607	$1,965	83
MN159		$2,541	$1,905	89
ND191	Minot AFB	$1,548	$1,260	273
AL004		$1,887	$1,473	201
LA371		$1,194	$1,023	336
CA039		$3,465	$2,844	27
AL005		$1,683	$1,431	245
GA081		$1,524	$1,416	282
NC177		$1,851	$1,722	211
WV320		$1,641	$1,230	251
ID086		$1,605	$1,524	258
SC262		$2,097	$1,788	160
MA119		$4,344	$3,798	8
TN269		$2,268	$1,869	131
NV212	Nellis AFB	$2,070	$1,737	167
CT051		$3,069	$2,673	50
CT049		$2,580	$2,148	85
LA116		$1,905	$1,581	197
NY219		$5,070	$4,980	2
RI256		$2,847	$2,361	65
VA298	Naval Station Norfolk	$2,430	$1,908	102
NJ202		$4,749	$3,561	4
CA018		$3,759	$3,000	18
FL068		$2,370	$1,944	116
UT291	Hill AFB	$2,118	$1,668	158
OK239	Tinker AFB	$1,644	$1,365	250
NE192	Offutt AFB	$2,085	$1,587	163
FL062		$2,658	$2,103	77
NC176		$2,604	$2,142	84
MD458		$2,445	$1,938	95
KY430		$1,365	$1,143	318
FL063		$2,163	$1,863	148
FL059		$2,502	$2,037	91
MD135		$2,406	$2,040	106
FL064	Naval Air Station Pensacola	$1,863	$1,644	210
IL090		$1,572	$1,311	269
NJ201		$3,393	$3,045	31
PA248		$2,691	$2,091	74
AZ013	Luke AFB	$2,289	$1,740	124
PA250		$2,283	$1,725	127
WA308		$2,436	$1,827	100
ME139		$3,252	$2,703	39
OR243		$2,379	$1,932	113
NH194		$3,321	$2,700	36
RI257		$3,195	$2,682	43
UT357		$2,058	$1,719	170
VA296	Marine Corps Base Quantico	$2,955	$2,361	54
NC185		$2,091	$1,695	161
SD264		$1,986	$1,545	183
NV213		$2,391	$1,851	108
VA301		$2,358	$1,866	120
CA041		$3,351	$2,670	34
VA362		$1,911	$1,470	193
GA076	Robins AFB	$1,800	$1,491	224
NY221		$2,214	$1,662	136
IL089		$1,908	$1,476	194
NY222		$2,109	$1,614	159
CA034		$2,904	$2,190	58
MI156		$1,503	$1,128	286
OR244		$2,004	$1,635	177
UT292		$2,130	$1,671	154
TX285	Joint Base San Antonio	$1,869	$1,500	209
CA031		$3,288	$2,466	38
CA038	Naval Base San Diego	$3,975	$3,147	12
CA019		$5,127	$4,086	1
CA392		$3,198	$2,679	42
CA044		$4,659	$3,798	5
NM210		$2,964	$2,223	53
MI145		$1,536	$1,155	277
GA077		$2,415	$1,968	104
IL093	Scott AFB	$1,542	$1,422	275
WA309		$3,135	$2,625	46
NC183		$1,521	$1,428	283
LA117	Barksdale AFB	$1,845	$1,452	213
SD265		$1,554	$1,224	272
AK401		$3,210	$2,409	41
WI318		$1,395	$1,290	310
WA310		$2,184	$1,665	144
MO164		$1,389	$1,167	312
IL335		$1,527	$1,152	281
LA326		$1,620	$1,356	255
MO161		$2,436	$1,947	99
PA252		$1,791	$1,443	226
NY413		$3,735	$3,192	19
WI359		$1,338	$1,161	324
CA035		$2,553	$2,187	88
SC263		$1,503	$1,290	287
NY223		$2,049	$1,599	173
WA311	Joint Base Lewis-McChord	$2,556	$2,121	87
FL065		$1,824	$1,626	215
FL066	MacDill AFB	$2,709	$2,187	71
IN338		$1,494	$1,233	290
OH232		$2,031	$1,524	176
KS105		$1,626	$1,302	254
MI146		$2,070	$1,896	166
NJ203		$3,465	$2,760	28
OK240		$1,638	$1,365	252
CA032		$1,980	$1,782	185
CA036	Travis AFB	$3,369	$2,664	32
OK236		$1,200	$1,065	335
CA026		$3,333	$2,778	35
CA025		$3,537	$3,018	24
FL070		$2,286	$1,833	125
TX415		$1,755	$1,440	233
VA302		$3,066	$2,523	51
DC053	Fort Belvoir	$3,132	$2,832	47
FL067		$3,423	$2,763	30
NY217		$3,468	$2,859	26
NY349		$4,479	$3,606	6
WA312		$2,073	$1,905	165
NM209		$1,701	$1,275	241
MO162	Whiteman AFB	$1,611	$1,215	256
TX288		$1,491	$1,182	291
KS101		$1,377	$1,212	314
PA254		$1,740	$1,488	235
PA249		$2,934	$2,337	55
NC186		$2,040	$1,701	175
MA122		$2,919	$2,523	57
OH231	Wright-Patterson AFB	$1,650	$1,341	248
WA313		$1,923	$1,458	191
OH233		$1,191	$1,017	337
AZ016		$1,695	$1,338	242

Frequently asked questions

How is BAH calculated in 2026?

BAH is set by three things: your duty-station ZIP code, your pay grade, and whether you have dependents. The Department of Defense surveys local rental housing costs for each of the 338 Military Housing Areas and publishes a rate for every pay grade. It is not based on your actual rent — you receive the published rate for your area and grade regardless of what you actually pay.

Is BAH taxable?

No. BAH is a tax-free allowance, and so is BAS. That is why military compensation compares favourably with a civilian salary of the same headline figure: a service member receiving $2,000/month in BAH keeps all of it, whereas a civilian would need considerably more than $2,000 in gross salary to net the same amount.

What is the difference between BAH with and without dependents?

Members with dependents receive a higher rate at every pay grade and in every location, because the rate is benchmarked to larger housing. The gap is typically 15-25%. Dependency status is what matters, not the number of dependents — one child and four children produce the same BAH.

What are O-1E, O-2E and O-3E?

Those are officers with at least four years of prior enlisted service. They receive a higher BAH rate than an officer of the same grade without prior enlisted time, which is why the official tables list them separately.

Do BAH rates change every year?

Yes. New rates take effect on January 1 each year, based on updated housing-cost surveys. Individual rate protection means your BAH will not drop while you remain at the same duty station in the same grade with the same dependency status, even if the published rate for your area falls.

Does BAH cover all of my housing costs?

Not entirely by design. Rates are set to cover most, but not all, of typical local housing costs, with a small national cost-sharing element built in, so members in many areas pay some out of pocket. Whether you come out ahead depends on how your actual rent compares with the local benchmark.

Source

Rates are the 2026 BAH tables published by the Defense Travel Management Office, covering all 338 Military Housing Areas and every pay grade, effective January 1, 2026. The set includes the temporary increase for the Abilene, TX / Dyess AFB area (TX270) effective May 16, 2026. ZIP-to-housing-area mapping uses the DTMO ZIP file. This tool is for estimation; your finance office is the authority on your entitlement.