PHOENIX, AZ · MHA AZ013 · effective January 1, 2026
Luke AFB BAH Rates 2026
Official 2026 Basic Allowance for Housing rates for Luke AFB, which falls in the Phoenix, AZ housing area (AZ013). An E-5 with dependents receives $2,289 per month here ($1,740 without dependents).
That is about 3% above the $2,225 average across all 338 military housing areas, ranking 124 of 338. BAH is tax-free, and most members also draw BAS at $476.95/month (enlisted).
E-4 with dependents
$2,061/mo
$1,587 without
E-5 with dependents
$2,289/mo
$1,740 without
E-6 with dependents
$2,457/mo
$1,857 without
E-7 with dependents
$2,475/mo
$2,070 without
O-1 with dependents
$2,319/mo
$1,830 without
O-3 with dependents
$2,490/mo
$2,391 without
2026 BAH rates at Luke AFB — all pay grades
Monthly, tax-free. O-1E/O-2E/O-3E are officers with prior enlisted service.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,061 | $1,587 |
| E-2 | $2,061 | $1,587 |
| E-3 | $2,061 | $1,587 |
| E-4 | $2,061 | $1,587 |
| E-5 | $2,289 | $1,740 |
| E-6 | $2,457 | $1,857 |
| E-7 | $2,475 | $2,070 |
| E-8 | $2,484 | $2,331 |
| E-9 | $2,517 | $2,367 |
| W-1 | $2,472 | $1,992 |
| W-2 | $2,481 | $2,328 |
| W-3 | $2,493 | $2,376 |
| W-4 | $2,535 | $2,448 |
| W-5 | $2,622 | $2,460 |
| O-1E | $2,478 | $2,286 |
| O-2E | $2,487 | $2,358 |
| O-3E | $2,547 | $2,445 |
| O-1 | $2,319 | $1,830 |
| O-2 | $2,454 | $2,217 |
| O-3 | $2,490 | $2,391 |
| O-4 | $2,646 | $2,451 |
| O-5 | $2,775 | $2,463 |
| O-6 | $2,796 | $2,466 |
| O-7 | $2,814 | $2,487 |
| O-8 | $2,814 | $2,487 |
| O-9 | $2,814 | $2,487 |
| O-10 | $2,814 | $2,487 |
Need a different location? Use the BAH calculator to look up any US ZIP code.
Which ZIP codes get the Luke AFB rate
Housing area AZ013 covers 222 ZIP codes. If your duty station falls in any of them you receive the rates on this page, whatever your home address. At this location the with-dependents rate runs 32% above the without-dependents rate, and pay grades span $2,061 to $2,814 per month.
ZIP codes in AZ013
85001, 85002, 85003, 85004, 85005, 85006, 85007, 85008, 85009, 85010, 85011, 85012, 85013, 85014, 85015, 85016, 85017, 85018, 85019, 85020, 85021, 85022, 85023, 85024, 85026, 85027, 85028, 85029, 85030, 85031, 85032, 85033, 85034, 85035, 85036, 85037, 85038, 85040, 85041, 85042, 85043, 85044, 85045, 85046, 85048, 85050, 85051, 85053, 85054, 85060, 85061, 85062, 85063, 85064, 85066, 85067, 85068, 85069, 85070, 85071 … and 162 more
Not listed? Look up any US ZIP with the BAH calculator.
Installations with similar BAH to Luke AFB
An E-5 with dependents draws $2,289/month here — $27,468 a year, tax-free. These bases pay closest to the same:
| Installation | Area | E-5 w/ dependents |
|---|---|---|
| Luke AFB | Phoenix, AZ | $2,289 |
| Langley AFB | Hampton/Newport News, VA | $2,274 |
| Fort Stewart | Fort Stewart, GA | $2,310 |
| Fort Carson | Colorado Springs, CO | $2,358 |
| Naval Base Kitsap | Bremerton, WA | $2,364 |
What these rates mean at Luke AFB
Your BAH is fixed by your duty-station ZIP code, pay grade and dependency status — not by your actual rent or where in the area you choose to live. Everyone assigned to Luke AFB at the same grade and dependency status receives the identical amount, so housing cheaper than your allowance leaves money in your pocket, and anything above it comes out of your own.
Rates are re-set every January from fresh local rental surveys. Individual rate protection means your BAH will not fall while you stay at Luke AFB in the same grade with the same dependency status, even if the published rate for the area drops.
To see BAH alongside basic pay and BAS for your total monthly compensation, use the military pay calculator, or check basic pay by rank on the 2026 military pay chart.
Frequently asked questions
What is the BAH rate at Luke AFB in 2026?
An E-5 with dependents assigned to Luke AFB receives $2,289 per month in 2026, or $1,740 without dependents. Luke AFB sits in the PHOENIX, AZ military housing area (AZ013). Rates vary by pay grade — the full table is on this page.
Is BAH at Luke AFB higher or lower than average?
For an E-5 with dependents, Luke AFB pays $2,289 against a $2,225 average across all 338 housing areas — about 3% above the national mean, ranking 124 of 338 areas.
Does BAH at Luke AFB depend on where I actually live?
No. Your BAH is set by your duty-station ZIP code, not your home address, so everyone assigned to Luke AFB at the same grade and dependency status receives the same rate. If you rent for less than your BAH you keep the difference; if you spend more, you cover it.
BAH rates at other installations
Source
Rates are the 2026 tables published by the Defense Travel Management Office for military housing area AZ013 (PHOENIX, AZ), effective January 1, 2026. Installation-to-area mapping uses the official DTMO ZIP file (duty-station ZIP 85309). This page is for estimation; your finance office is the authority on your entitlement.