Updated February 2026

BAH Rates Phoenix, AZ 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Phoenix military housing area (MHA: AZ013), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$2,289

$27,468/year

E-5 without Dependents

$1,740

$20,880/year

O-3 with Dependents

$2,490

$29,880/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,061	$24,732
E-2	$2,061	$24,732
E-3	$2,061	$24,732
E-4	$2,061	$24,732
E-5	$2,289	$27,468
E-6	$2,457	$29,484
E-7	$2,475	$29,700
E-8	$2,484	$29,808
E-9	$2,517	$30,204
Warrant Officer
W-1	$2,472	$29,664
W-2	$2,481	$29,772
W-3	$2,493	$29,916
W-4	$2,535	$30,420
W-5	$2,622	$31,464
Commissioned Officer (Prior Enlisted)
O-1E	$2,478	$29,736
O-2E	$2,487	$29,844
O-3E	$2,547	$30,564
Commissioned Officer
O-1	$2,319	$27,828
O-2	$2,454	$29,448
O-3	$2,490	$29,880
O-4	$2,646	$31,752
O-5	$2,775	$33,300
O-6	$2,796	$33,552
O-7	$2,814	$33,768

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,587	$19,044
E-2	$1,587	$19,044
E-3	$1,587	$19,044
E-4	$1,587	$19,044
E-5	$1,740	$20,880
E-6	$1,857	$22,284
E-7	$2,070	$24,840
E-8	$2,331	$27,972
E-9	$2,367	$28,404
Warrant Officer
W-1	$1,992	$23,904
W-2	$2,328	$27,936
W-3	$2,376	$28,512
W-4	$2,448	$29,376
W-5	$2,460	$29,520
Commissioned Officer (Prior Enlisted)
O-1E	$2,286	$27,432
O-2E	$2,358	$28,296
O-3E	$2,445	$29,340
Commissioned Officer
O-1	$1,830	$21,960
O-2	$2,217	$26,604
O-3	$2,391	$28,692
O-4	$2,451	$29,412
O-5	$2,463	$29,556
O-6	$2,466	$29,592
O-7	$2,487	$29,844

117 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Phoenix (AZ013) Military Housing Area:

85003 85004 85006 85007 85008 85009 85012 85013 85014 85015 85016 85017 85018 85019 85020 85021 85022 85023 85024 85027 85028 85029 85031 85032 85033 85034 85035 85037 85040 85041 85043 85044 85045 85048 85050 85051 85053 85054 85085 85086 85087 85201 85202 85203 85204 85205 85206 85207 85208 85210 85212 85213 85215 85224 85225 85226 85233 85234 85236 85242 85248 85249 85250 85251 85253 85254 85255 85256 85257 85258 85259 85260 85262 85263 85264 85268 85281 85282 85283 85284 85296 85301 85302 85303 85304 85305 85306 85307 85308 85309 85310 85320 85322 85323 85326 85329 85331 85335 85337 85338 85339 85340 85342 85345 85351 85353 85354 85355 85361 85363 85373 85374 85375 85379 85381 85382 85390

Frequently Asked Questions

What is the BAH rate for an E-5 in Phoenix?

The 2026 BAH rate for an E-5 with dependents in Phoenix, AZ is $2,289 per month ($27,468 per year). Without dependents, the rate is $1,740 per month.

How many ZIP codes are in the Phoenix MHA?

The Phoenix Military Housing Area (AZ013) includes 117 ZIP codes.

What is BAH and how is it calculated?

Basic Allowance for Housing (BAH) is a U.S. military benefit that provides service members with housing compensation based on their duty station location, pay grade, and dependency status. Rates are set annually by the Department of Defense based on local rental market data.

Data Sources

Defense Travel Management Office — BAH Rates
Rates effective January 1, 2026

Last verified: February 2026

What's Next?

Calculate Total Pay See your full compensation: Base Pay + BAH + BAS Calculate → Take-Home Pay Calculate net pay after taxes and deductions Calculate → GI Bill Benefits BAH determines your GI Bill housing allowance Calculate →

Popular BAH Locations

San Diego, CA$3,975 Norfolk, VA$2,430 San Antonio, TX$1,869 Fort Bragg, NC$1,806 Colorado Springs, CO$2,358 Jacksonville, FL$2,181 Honolulu, HI$3,663 Tacoma, WA$2,556

View all Arizona BAH rates →

How Phoenix, AZ BAH compares nationally

BAH here tracks closely with the national picture — an E-5 with dependents draws $2,289/mo against a national MHA average of $2,289 (118th of 299 MHAs). Neither a windfall nor a squeeze; your allowance should roughly match the local rental market's middle.

Within the state, this is the highest-rate MHA of 4; the lowest is Yuma, AZ at $1,695/mo for the same E-5 — a $594 monthly spread that matters if you have any say in your assignment.

Across enlisted grades here, having dependents adds an average of $417/mo (24%) to the allowance. The with/without-dependents gap is set per location, so it differs from base to base — use the tables above for your exact grade.

Comparisons computed from the official 2026 BAH rate file across all 299 market-priced MHAs (county cost groups excluded). Benchmark grade: E-5 with dependents.