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BAH rates 2026 for every housing area

Search the 2026 BAH of every military housing area for any grade, then see which areas pay the most and the least and how the rates moved from 2025.

338 of 338 areas

Housing areaWith dependentsWithout
Aberdeen Proving Grounds, MD$2,478$1,986
Abilene/Dyess AFB, TX$1,872$1,545
Akron, OH$1,581$1,383
Albany, GA$1,371$1,242
Albuquerque/Kirtland AFB, NM$2,211$1,689
Alexandria, LA$1,290$1,161
Allentown/Bethlehem, PA$2,373$2,001
Altus AFB, OK$1,254$1,032
Anchorage, AK$2,874$2,157
Ann Arbor, MI$2,559$1,920
Annapolis, MD$2,928$2,475
Anniston/Fort Mcclellan, AL$1,185$1,119
Asheville, NC$2,214$1,773
Astoria, OR$2,055$1,713
Atlanta, GA$2,388$1,995
Atlantic City, NJ$2,655$2,298
Auburn, AL$1,707$1,473
Austin, TX$2,241$1,731
Ballston Spa/Albany, NY$2,634$2,073
Baltimore, MD$2,610$2,079
Bangor, ME$1,893$1,443
Barstow/Fort Irwin, CA$2,001$1,695
Baton Rouge, LA$1,875$1,557
Battle Creek/Kalamazoo, MI$1,959$1,470
Beale AFB, CA$2,967$2,367
Beaufort/Parris Island, SC$2,403$2,103
Beaumont, TX$1,518$1,377
Birmingham, AL$2,439$1,878
Bismarck, ND$1,596$1,287
Bloomington, IN$1,905$1,482
Boise, ID$1,926$1,686
Boston, MA$4,791$3,615
Boulder, CO$2,754$2,238
Bremerton, WA$2,364$2,091
Bridgeport, CA$2,085$1,941
Brownsville, TX$1,503$1,248
Brunswick, ME$2,205$1,893
Buffalo, NY$2,214$1,791
Burlington, VT$3,120$2,427
Camp Lejeune, NC$1,584$1,476
Camp Pendleton, CA$3,963$3,093
Cannon AFB/Clovis, NM$1,365$1,107
Cape Cod-Plymouth, MA$3,924$3,285
Cape May, NJ$2,754$2,172
Carlisle Barracks, PA$2,076$1,617
Champaign/Urbana, IL$1,539$1,329
Charleston, SC$2,385$1,941
Charleston, WV$1,404$1,149
Charlotte, NC$2,169$1,719
Charlottesville, VA$2,373$2,034
Chattanooga, TN$1,986$1,629
Cheyenne, WY$1,653$1,326
Chicago, IL$3,438$2,736
China Lake, CA$1,563$1,428
Cincinnati, OH$2,283$1,713
Cleveland, OH$1,998$1,500
Coastal Maine, ME$2,193$1,770
College Station, TX$1,758$1,485
Colorado Springs, CO$2,358$1,860
Columbia/Fort Jackson, SC$1,878$1,647
Columbia/Jefferson City, MO$1,377$1,161
Columbus AFB, MS$1,398$1,158
Columbus, OH$1,875$1,587
Coos Bay, OR$1,779$1,428
Corpus Christi, TX$1,788$1,413
Corvallis, OR$2,388$1,791
County Cost Group 510$1,329$1,074
County Cost Group 520$1,332$1,077
County Cost Group 530$1,338$1,080
County Cost Group 540$1,344$1,086
County Cost Group 550$1,353$1,092
County Cost Group 560$1,362$1,101
County Cost Group 570$1,371$1,107
County Cost Group 580$1,380$1,119
County Cost Group 590$1,392$1,128
County Cost Group 600$1,404$1,137
County Cost Group 610$1,410$1,143
County Cost Group 620$1,419$1,149
County Cost Group 630$1,425$1,155
County Cost Group 640$1,434$1,161
County Cost Group 650$1,443$1,167
County Cost Group 660$1,449$1,176
County Cost Group 670$1,461$1,185
County Cost Group 680$1,470$1,191
County Cost Group 690$1,482$1,200
County Cost Group 700$1,497$1,212
County Cost Group 710$1,515$1,227
County Cost Group 720$1,536$1,245
County Cost Group 730$1,557$1,263
County Cost Group 740$1,590$1,290
County Cost Group 750$1,638$1,332
County Cost Group 760$1,686$1,368
County Cost Group 770$1,752$1,425
County Cost Group 780$1,815$1,476
County Cost Group 790$1,890$1,542
County Cost Group 800$1,962$1,599
County Cost Group 810$2,064$1,683
County Cost Group 820$2,160$1,764
County Cost Group 830$2,250$1,839
County Cost Group 840$2,322$1,896
County Cost Group 850$2,409$1,968
County Cost Group 860$2,487$2,037
County Cost Group 870$2,652$2,172
County Cost Group 880$2,850$2,337
County Cost Group 890$3,156$2,589
Dahlgren/Fort A.P. Hill$2,313$2,196
Dahlonega, GA$2,208$1,938
Dallas, TX$2,469$1,851
Davis-Monthan AFB, AZ$1,905$1,428
Denver, CO$2,841$2,148
Des Moines, IA$1,770$1,359
Detroit, MI$2,361$1,770
Dover AFB/Rehoboth, DE$2,277$1,947
Duluth, MN$2,064$1,653
Durham/Chapel Hill, NC$2,118$1,770
Eastern Panhandle, WV$2,058$1,677
Eastern Shore, MD$2,121$1,761
Edwards AFB/Palmdale, CA$2,658$2,148
Eglin AFB, FL$2,433$2,157
El Centro, CA$1,986$1,704
El Paso, TX$1,809$1,437
Elizabeth City, NC$2,508$1,980
Erie, PA$1,464$1,329
Essex Co, MA$3,477$2,910
Eugene, OR$2,187$1,827
Everett, WA$2,748$2,277
Fairbanks, AK$2,436$1,827
Fallon NAS, NV$1,596$1,455
Fargo, ND$1,707$1,281
Fayetteville, AR$1,782$1,437
Fitchburg, MA$3,093$2,763
Florida Keys, FL$3,969$3,459
Fort Benning, GA$1,716$1,482
Fort Bragg/Pope, NC$1,806$1,527
Fort Campbell, KY$1,815$1,593
Fort Chaffee/Fort Smith, AR$1,263$996
Fort Collins, CO$2,268$1,812
Fort Detrick, MD$2,682$2,160
Fort Drum/Watertown, NY$1,665$1,422
Fort G. G. Meade, MD$2,901$2,436
Fort Gordon, AL$1,890$1,644
Fort Hood, TX$1,695$1,530
Fort Huachuca, AZ$1,719$1,347
Fort Knox, KY$1,647$1,443
Fort Leavenworth, KS$1,815$1,569
Fort Leonard Wood, MO$1,479$1,290
Fort Monmouth/Earle NWS, NJ$3,549$2,940
Fort Myers Beach, FL$2,694$2,295
Fort Pierce, FL$2,691$2,193
Fort Polk, LA$1,218$1,128
Fort Riley, KS$1,314$1,158
Fort Rucker, AL$1,572$1,251
Fort Sill/Lawton, OK$1,233$1,092
Fort Stewart, GA$2,310$1,947
Fort Wayne, IN$1,947$1,503
Fort Worth, TX$2,118$1,656
Frankfort, KY$1,410$1,104
Fresno, CA$2,439$1,842
Gainesville, FL$2,040$1,800
Goodfellow AFB, TX$1,578$1,230
Grand Forks, ND$1,731$1,299
Grand Haven, MI$2,181$1,740
Grand Rapids, MI$2,148$1,635
Great Lakes Navtracen, IL$2,427$1,854
Greensboro, NC$1,809$1,440
Greenville, SC$1,923$1,551
Gulfport, MS$1,602$1,365
Hampden County, MA$2,388$2,007
Hampton/Newport News, VA$2,274$1,779
Hanscom AFB, MA$4,188$3,516
Hartford, CT$2,901$2,274
Hattiesburg, MS$1,395$1,194
Hawaii County, HI$3,594$3,042
Helena, MT$1,887$1,572
Holloman AFB/Alamogordo, NM$1,590$1,197
Honolulu County, HI$3,663$2,856
Houston, TX$2,193$1,665
Humboldt County, CA$1,827$1,587
Huntington, WV$1,533$1,188
Huntsville, AL$1,797$1,443
Indian Head Navordsta, MD$3,249$2,904
Indianapolis, IN$1,875$1,533
Jackson, MS$1,920$1,608
Jacksonville, FL$2,181$1,803
Jb Mcguire-Dix-Lakehurst, NJ$2,823$2,421
Johnson City/Kingsport, TN$1,548$1,287
Juneau, AK$3,354$2,517
Kansas City, MO$1,986$1,596
Kauai County, HI$3,798$3,162
Ketchikan, AK$2,868$2,151
Kings Bay/Brunswick, GA$2,133$1,806
Knoxville, TN$2,184$1,809
Kodiak Island, AK$2,865$2,148
Lafayette, LA$1,584$1,245
Lake Charles, LA$1,356$1,197
Lansing, MI$1,806$1,356
Laughlin AFB/Del Rio, TX$1,470$1,209
Lemoore NAS, CA$2,139$1,680
Lexington, KY$1,875$1,440
Lexington, VA$1,536$1,275
Lincoln, NE$1,788$1,428
Little Rock, AR$1,848$1,548
Long Island, NY$4,425$3,600
Los Angeles, CA$3,882$3,048
Louisville, KY$1,989$1,533
Lubbock, TX$1,476$1,272
Madison, WI$2,655$1,995
Malmstrom SFB/Great Falls, MT$1,608$1,392
Manchester/Concord, NH$3,177$2,613
Marin/Sonoma, CA$3,303$2,967
Marquette, MI$1,821$1,365
Martha's Vineyard, MA$3,984$3,096
Maui County, HI$4,329$3,246
Memphis, TN$2,154$1,719
Meridian, MS$1,290$1,062
Miami/Fort Lauderdale, FL$3,660$3,048
Milwaukee, WI$2,607$1,965
Minneapolis/St Paul, MN$2,541$1,905
Minot AFB, ND$1,548$1,260
Mobile, AL$1,887$1,473
Monroe, LA$1,194$1,023
Monterey, CA$3,465$2,844
Montgomery, AL$1,683$1,431
Moody AFB, GA$1,524$1,416
Morehead/Cherry Pt MCAS, NC$1,851$1,722
Morgantown, WV$1,641$1,230
Mountain Home AFB, ID$1,605$1,524
Myrtle Beach, SC$2,097$1,788
Nantucket, MA$4,344$3,798
Nashville, TN$2,268$1,869
Nellis AFB/Las Vegas, NV$2,070$1,737
New Haven/Fairfield, CT$3,069$2,673
New London, CT$2,580$2,148
New Orleans, LA$1,905$1,581
New York City, NY$5,070$4,980
Newport, RI$2,847$2,361
Norfolk/Portsmouth, VA$2,430$1,908
Northern New Jersey, NJ$4,749$3,561
Oakland, CA$3,759$3,000
Ocala, FL$2,370$1,944
Ogden/Hill AFB, UT$2,118$1,668
Oklahoma City, OK$1,644$1,365
Omaha/Offutt AFB, NE$2,085$1,587
Orlando, FL$2,658$2,103
Outer Banks, NC$2,604$2,142
Oxford, MD$2,445$1,938
Paducah, KY$1,365$1,143
Panama City, FL$2,163$1,863
Patrick SFB, FL$2,502$2,037
Patuxent River, MD$2,406$2,040
Pensacola, FL$1,863$1,644
Peoria, IL$1,572$1,311
Perth Amboy, NJ$3,393$3,045
Philadelphia, Pa/Camden, NJ$2,691$2,091
Phoenix, AZ$2,289$1,740
Pittsburgh, PA$2,283$1,725
Port Angeles, WA$2,436$1,827
Portland, ME$3,252$2,703
Portland, OR$2,379$1,932
Portsmouth, Nh/Kittery, ME$3,321$2,700
Providence, RI$3,195$2,682
Provo, UT$2,058$1,719
Quantico/Woodbridge, VA$2,955$2,361
Raleigh, NC$2,091$1,695
Rapid City/Ellsworth AFB, SD$1,986$1,545
Reno/Carson City, NV$2,391$1,851
Richmond/Fort Lee, VA$2,358$1,866
Riverside, CA$3,351$2,670
Roanoke, VA$1,911$1,470
Robins AFB, GA$1,800$1,491
Rochester, NY$2,214$1,662
Rock Island, IL$1,908$1,476
Rome/Griffiss AFB, NY$2,109$1,614
Sacramento, CA$2,904$2,190
Saginaw, MI$1,503$1,128
Salem, OR$2,004$1,635
Salt Lake City, UT$2,130$1,671
San Antonio, TX$1,869$1,500
San Bernardino, CA$3,288$2,466
San Diego, CA$3,975$3,147
San Francisco, CA$5,127$4,086
San Luis Obispo, CA$3,198$2,679
Santa Clara County, CA$4,659$3,798
Santa Fe/Los Alamos, NM$2,964$2,223
Sault Ste Marie, MI$1,536$1,155
Savannah, GA$2,415$1,968
Scott AFB, IL$1,542$1,422
Seattle, WA$3,135$2,625
Seymour Johnson AFB, NC$1,521$1,428
Shreveport/Barksdale AFB, LA$1,845$1,452
Sioux Falls, SD$1,554$1,224
Sitka, AK$3,210$2,409
Sparta/Fort Mccoy, WI$1,395$1,290
Spokane, WA$2,184$1,665
Springfield, MO$1,389$1,167
Springfield/Decatur, IL$1,527$1,152
St Mary And Terrebonne, LA$1,620$1,356
St. Louis, MO$2,436$1,947
State College, PA$1,791$1,443
Staten Island, NY$3,735$3,192
Stevens Point, WI$1,338$1,161
Stockton, CA$2,553$2,187
Sumter/Shaw AFB, SC$1,503$1,290
Syracuse, NY$2,049$1,599
Tacoma, WA$2,556$2,121
Tallahassee, FL$1,824$1,626
Tampa, FL$2,709$2,187
Terre Haute, IN$1,494$1,233
Toledo, OH$2,031$1,524
Topeka, KS$1,626$1,302
Traverse City, MI$2,070$1,896
Trenton, NJ$3,465$2,760
Tulsa, OK$1,638$1,365
Twenty Nine Palms MCB, CA$1,980$1,782
Vallejo/Travis AFB, CA$3,369$2,664
Vance AFB/Enid, OK$1,200$1,065
Vandenberg SFB, CA$3,333$2,778
Ventura, CA$3,537$3,018
Volusia County, FL$2,286$1,833
Waco, TX$1,755$1,440
Warrenton, VA$3,066$2,523
Washington, DC Metro Area$3,132$2,832
West Palm Beach, FL$3,423$2,763
West Point, NY$3,468$2,859
Westchester County, NY$4,479$3,606
Whidbey Island, WA$2,073$1,905
White Sands Mr/Las Cruces, NM$1,701$1,275
Whiteman AFB, MO$1,611$1,215
Wichita Fls/Sheppard AFB, TX$1,491$1,182
Wichita/Mcconnell AFB, KS$1,377$1,212
Wilkes-Barre/Scranton, PA$1,740$1,488
Willow Grove, PA$2,934$2,337
Wilmington, NC$2,040$1,701
Worcester, MA$2,919$2,523
Wright-Patterson AFB, OH$1,650$1,341
Yakima, WA$1,923$1,458
Youngstown, OH$1,191$1,017
Yuma, AZ$1,695$1,338

The Defense Travel Management Office published 2026 BAH rates for 338 military housing areas in the United States, effective January 1, 2026. For an E-5 with dependents, the highest rate is $5,127 a month in San Francisco, CA and the lowest $1,185 in Anniston/Fort Mcclellan, AL. Compared with 2025, the E-5 family rate rose in 273 areas and fell in 60, the others staying flat; members already in an area where the rate fell keep the 2025 amount through rate protection. Each rate covers the median rent and average utilities of the housing standard set for the grade, minus a 5% member cost share. The table below lets you search any area by name or state and change the grade; the tables after it rank the areas and list the largest changes. For a single ZIP code, the BAH calculator finds the area for you.

Checked by Radif Partners · Editorial policy · How we calculate

The ten highest housing areas

Monthly BAH 2026, DTMO, ranked by the E-5 rate with dependents.
Housing areaE-5 with dependentsO-3 with dependents
San Francisco, CA$5,127$5,556
New York City, NY$5,070$5,529
Boston, MA$4,791$5,163
Northern New Jersey, NJ$4,749$5,094
Santa Clara County, CA$4,659$5,199
Westchester County, NY$4,479$6,633
Long Island, NY$4,425$5,061
Nantucket, MA$4,344$5,442
Maui County, HI$4,329$5,571
Hanscom AFB, MA$4,188$4,770

The ten lowest housing areas

Monthly BAH 2026, DTMO, lowest first.
Housing areaE-5 with dependentsO-3 with dependents
Anniston/Fort Mcclellan, AL$1,185$1,686
Youngstown, OH$1,191$1,767
Monroe, LA$1,194$1,728
Vance AFB/Enid, OK$1,200$1,818
Fort Polk, LA$1,218$1,938
Fort Sill/Lawton, OK$1,233$1,758
Altus AFB, OK$1,254$1,833
Fort Chaffee/Fort Smith, AR$1,263$1,962
Meridian, MS$1,290$1,953
Alexandria, LA$1,290$1,950

Largest changes from 2025

E-5 with dependents, monthly, DTMO 2025 and 2026 rates: five largest increases, then five largest decreases.
Housing area20252026Change
Abilene/Dyess AFB, TX$1,485$1,872+$387
Westchester County, NY$4,107$4,479+$372
Northern New Jersey, NJ$4,392$4,749+$357
West Point, NY$3,111$3,468+$357
Juneau, AK$3,015$3,354+$339
Brownsville, TX$1,623$1,503−$120
Austin, TX$2,343$2,241−$102
Phoenix, AZ$2,391$2,289−$102
Boise, ID$2,016$1,926−$90
Twenty Nine Palms MCB, CA$2,055$1,980−$75

Reading the rates

A housing area is a group of ZIP codes where members of one or several installations live. Names follow the installation or the main city, and some keep historic names. The rates differ by grade because the DoD prices a different home for each grade, and by dependency status because members with dependents are priced on larger homes. To find the area of a duty station, use the BAH calculator; to combine BAH with basic pay and BAS, the military pay calculator. Pages for the large areas explain their own particularities: Hawaii, Camp Pendleton, Colorado Springs, San Antonio, Camp Lejeune and Fort Campbell.

How the areas are drawn

The DTMO keeps a file that assigns each of the 40,959 ZIP codes it uses to one housing area. Areas are built around installations and the commuting zones of their members, so a large metropolitan area may hold one area or several, and a remote installation can have its own area even in a thinly populated county. ZIP codes far from any installation are grouped by county into cost groups, which is why some names in the table read "County Cost Group" rather than a city. Recruiters, ROTC instructors and others stationed far from a base fall into those groups.

Using the search table

Type part of a name, such as "Fort", "AFB" or a two-letter state code, to filter the list; change the grade to see the rates of any grade from E-1 to O-10. The two columns give the monthly rate with dependents and without dependents. The ranking tables below use the E-5 rate with dependents, the grade most often quoted, but the order can differ for officers because the housing profiles priced for each grade follow different segments of the local rental market.

What moved the rates in 2026

The annual survey measures rents for each housing profile in every area, along with electricity, heating fuel and water costs. Areas where rents for family homes rose saw the largest increases; areas where new supply or softer demand lowered rents saw decreases. Because the member cost share is fixed at 5%, the change in the published rate follows the change in measured cost closely. The two lists below show the extremes for the E-5 family rate; most areas moved by a few percent.

Questions veterans and service members ask

Where is BAH the highest in 2026?

For an E-5 with dependents, in San Francisco, CA at $5,127 a month, followed by New York City, NY ($5,070) and Boston, MA ($4,791). High rates follow high rents: the San Francisco Bay Area, the New York area, Boston and Maui lead the list, with San Diego just behind. The ranking can differ slightly for other grades.

Where is BAH the lowest in 2026?

For an E-5 with dependents, in Anniston/Fort Mcclellan, AL at $1,185 a month, then Youngstown, OH ($1,191) and Monroe, LA ($1,194). Low rates follow low local rents and are mostly found around installations in the South and the Plains, such as Fort Polk, Fort Sill and Fort Riley.

When do BAH rates change?

Once a year, on January 1, after the annual survey of rents and utilities in every housing area. The DTMO publishes the new rates in December. Your own rate also changes when you are promoted, when your dependency status changes or when you move to a new permanent duty station.

Why did BAH go down in some areas in 2026?

Because the survey found lower median rents or utility costs for the housing profiles priced in those areas. In 60 areas the E-5 family rate is lower than in 2025. Members who were entitled to BAH there on December 31, 2025 keep their 2025 rate under rate protection; newcomers receive the 2026 rate.

Are BAH rates the same for all services?

Yes. Army, Navy, Air Force, Marine Corps, Space Force and Coast Guard members, and the commissioned officers of the Public Health Service and NOAA, receive the same BAH for the same grade, dependency status and duty station. The rates are set by the Department of Defense for all uniformed services.

Do reservists get the full BAH rate?

Reserve and Guard members on active duty orders of more than 30 days receive the full BAH of their duty station. For orders of 30 days or less, they receive a lower reserve component rate, which does not depend on location, unless the orders support a contingency operation.

Read next

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Oahu 2026 BAH for Pearl Harbor-Hickam, Schofield Barracks and Kaneohe Bay, and the other islands

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The Washington DC metro area: 2026 BAH for the Pentagon, Bethesda and the joint bases, and the areas around it

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Official sources for this page

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Publisher of the VA disability, military pay, BAH and retirement calculators

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Estimate only: the figures on this page apply the tables and formulas published by VA, DFAS, the DTMO, the IRS and OPM to the numbers you enter. Your rating decision, your LES and your retiree account statement are what count.

VA, DFAS, DTMO, IRS and OPM figures for 2026, read on the official documents on