Question 1

What is BAH (Basic Allowance for Housing)?

Accepted Answer

BAH is a U.S. military allowance that helps service members pay for off-base housing. It is tax-free and varies by pay grade, dependency status, and geographic location (Military Housing Area or MHA).

Question 2

How are BAH rates determined for 2026?

Accepted Answer

BAH rates are set annually by the Department of Defense based on local rental cost surveys in each Military Housing Area (MHA). Rates cover rent and utilities for comparable civilian housing in the area.

Question 3

Does BAH change when I PCS to a new base?

Accepted Answer

Yes. BAH is tied to your duty station zip code. When you PCS, your BAH rate adjusts to the new MHA rate for your pay grade and dependency status. Use this calculator to estimate your new rate.

Question 4

What is the difference between BAH with and without dependents?

Accepted Answer

BAH "with dependents" rates are higher because they cover housing costs for the service member plus qualifying family members. BAH "without dependents" is for single service members or those without qualifying dependents.

Question 5

Are BAH rates the same for all branches?

Accepted Answer

Yes. BAH rates are set by pay grade and location, not by branch of service. An Army E-5 and Navy E-5 in the same MHA receive the same BAH rate for the same dependency status.

Question 6

How accurate is this BAH calculator?

Accepted Answer

This calculator uses estimated 2026 BAH rates based on 2025 DoD BAH tables plus the average increase. For exact rates, use the official DoD BAH calculator at defensetravel.dod.mil with your specific zip code.

BAH CALCULATOR