2026 BAH Rates by Location

Basic Allowance for Housing rates for all 338 military housing areas. Find your BAH rate by ZIP code or browse by state.

National Average
$2,224
E-5 with dependents — mean of all 338 MHA rates
Housing Areas
338
MHAs, each with its own 2026 rate
Highest Rate
$5,127
San Francisco, CA
Lowest Rate
$1,185
Anniston/Fort McClellan, AL

Find BAH Rates by ZIP Code

Using the Post-9/11 GI Bill? Your housing payment (MHA) is the E-5-with-dependents BAH rate at your school's ZIP — the GI Bill BAH calculator looks it up by school.

New: Does BAH cover rent in 2026? — we compared BAH to local Fair Market Rent at 149 major bases.

10 Most Expensive Housing Areas 2026 (E-5 with dependents)

$0 $1k $2k $3k $4k $5k #1 San Francisco, CA — $5,127/mo (E-5 with dependents, 2026) San Francisco, CA $5,127 #2 New York City, NY — $5,070/mo (E-5 with dependents, 2026) New York City, NY $5,070 #3 Boston, MA — $4,791/mo (E-5 with dependents, 2026) Boston, MA $4,791 #4 Northern New Jersey, NJ — $4,749/mo (E-5 with dependents, 2026) Northern New Jersey, NJ $4,749 #5 Santa Clara County, CA — $4,659/mo (E-5 with dependents, 2026) Santa Clara County, CA $4,659 #6 Westchester County, NY — $4,479/mo (E-5 with dependents, 2026) Westchester County, NY $4,479 #7 Long Island, NY — $4,425/mo (E-5 with dependents, 2026) Long Island, NY $4,425 #8 Nantucket, MA — $4,344/mo (E-5 with dependents, 2026) Nantucket, MA $4,344 #9 Maui County, HI — $4,329/mo (E-5 with dependents, 2026) Maui County, HI $4,329 #10 Hanscom AFB, MA — $4,188/mo (E-5 with dependents, 2026) Hanscom AFB, MA $4,188
Monthly E-5 with-dependents rates from the 2026 BAH data published by the DoD Defense Travel Management Office, effective January 1, 2026. Darker green = higher rate. Every rate charted here — and all 338 housing areas — appears in the All Locations A–Z list below.

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Data Sources