2026 Official Rates

    Find Your 2026 BAH Rate in Seconds

    Free, instant lookup for every duty station, pay grade, and dependency status — backed by official DoD data.

    Calculate your monthly BAH

    Dependents

    Enter a ZIP code or city above to see your 2026 BAH rate.

     

    We never sell your info. Sponsored partner: Veterans United.

    Trusted by service members & military families

    298

    Duty Stations

    24

    Pay Grades Covered

    100%

    Free to Use

    How Basic Allowance for Housing Works

    BAH is a monthly stipend paid to service members to offset housing costs in the civilian market. Your rate depends on three factors:

    Duty Station Location

    BAH rates vary by zip code and Military Housing Area (MHA). High-cost cities like San Francisco and New York have significantly higher rates.

    Pay Grade (Rank)

    Higher-ranking service members receive more BAH. Rates scale from E-1 through O-10, including warrant officers.

    Dependency Status

    Service members with dependents (spouse, children) receive a higher BAH rate than those without dependents.

    BAH Rates by Pay Grade

    Your rank is one of the biggest factors in your BAH rate. Explore rates for the most common pay grades.

    Historical BAH Rates

    Track how BAH rates have changed over the past 5 years across every duty station.

    Ready to Buy a Home With Your BAH?

    Your BAH can cover a VA mortgage payment. Connect with veteran-friendly lenders who understand military housing benefits.

    Sponsored link. We may receive compensation.

    Quick Answers

    Everything you need to know before claiming your BAH

    The calculator uses the official 2026 BAH rates published by the Department of Defense for all 298 Military Housing Areas (MHAs) and 24 pay grades. Rates are matched by ZIP code or city to the correct MHA, so the figure you see is the same one your finance office will pay.