Question 1

What is BAH (Basic Allowance for Housing)?

Accepted Answer

BAH is a U.S. military allowance that helps service members cover housing costs when government quarters are not provided. Rates are based on your pay grade, dependency status, and the Military Housing Area (MHA) where you are stationed. BAH rates are set annually by the Department of Defense.

Question 2

How is BAH calculated?

Accepted Answer

BAH is determined by three factors: your pay grade (E-1 through O-7), whether you have dependents, and your duty station's Military Housing Area (MHA). The DoD surveys rental housing costs in each MHA annually to set rates that cover approximately 95% of average housing costs.

Question 3

How do I calculate BAH by ZIP code?

Accepted Answer

To calculate BAH by ZIP code, enter your duty station ZIP code into our BAH calculator along with your pay grade and dependency status. The calculator maps your ZIP code to the correct Military Housing Area (MHA) and returns the corresponding 2026 BAH rate.

Question 4

What are the BAH rates for 2026?

Accepted Answer

2026 BAH rates vary by Military Housing Area, pay grade, and dependency status. The Department of Defense updated rates effective January 1, 2026. Use our calculator above to look up your specific rate by ZIP code. Rates are designed to cover approximately 95% of housing costs in each area.

Question 5

Is BAH taxable income?

Accepted Answer

No, BAH is not considered taxable income. It is a tax-free allowance provided to active-duty service members to offset housing costs. This means you do not pay federal or state income tax on your BAH payments.

BAH Calculator 2026

BAH Calculator by ZIP Code — How It Works