BAH calculator 2026
Updated
Enter your duty station ZIP code and pay grade. Rates come from the official 2026 DTMO tables for all 338 military housing areas.
Enter a 5-digit ZIP code.
2026 rates from the Defense Travel Management Office, effective January 1, 2026. Rate protection keeps your current rate if your area's rate drops.
Highest and lowest 2026 BAH (E-5 with dependents)
| Housing area | E-5 with dependents |
|---|---|
| San Francisco, CA | $5,127 |
| New York City, NY | $5,070 |
| Boston, MA | $4,791 |
| Northern New Jersey, NJ | $4,749 |
| Santa Clara County, CA | $4,659 |
| Westchester County, NY | $4,479 |
| Long Island, NY | $4,425 |
| Nantucket, MA | $4,344 |
| Vance AFB/Enid, OK | $1,200 |
| Monroe, LA | $1,194 |
| Youngstown, OH | $1,191 |
| Anniston/Fort Mcclellan, AL | $1,185 |
Browse every housing area.
Frequently asked questions
How much did BAH go up in 2026?
DoD announced an average increase of about 4.2% for 2026. Members already stationed keep their old rate if their area's rate went down (rate protection).
Is BAH taxable?
No. BAH is a tax-free allowance and isn't counted as income for federal or state income tax.
Is BAH based on where I live or where I'm stationed?
On your permanent duty station ZIP code, not where you choose to live.
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Estimates for information only — not tax, legal or financial advice.