Understanding BAH Rates for 2026
The Basic Allowance for Housing (BAH) is a critical tax-free benefit for military service members, providing income to help cover housing costs when government quarters are not provided.
How BAH is Calculated
BAH rates are determined by three key factors:
Pay Grade
Your military rank (E-1 through E-9 for enlisted, W-1 through W-5 for warrant officers, and O-1 through O-10 for commissioned officers)
Dependency Status
Whether you have dependents (spouse, children, or other qualifying dependents)
Duty Location
The zip code where you are stationed, as housing costs vary significantly by location
2026 BAH Rate Updates
The 2026 BAH rates reflect current housing market conditions across the United States. High-cost areas like California, Hawaii, and the Washington D.C. metro area receive higher allowances, while lower-cost regions receive proportionally less. The Department of Defense conducts annual surveys to ensure BAH rates keep pace with local housing markets.
Who Qualifies for BAH?
Active duty service members not living in government quarters
Reserve and National Guard members on active duty orders for more than 30 days
Service members authorized to live off-base
What Does BAH Cover?
Rent or Mortgage
Primary housing payment
Utilities
Average utility costs for the area
Renter's Insurance
Protection for personal property
Maximize Your BAH
To make the most of your housing allowance:
Search for housing within your BAH budget
Consider roommates to reduce costs (if single)
Factor in commute distance to base
Explore military-friendly communities
Find Housing Within Your BAH
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