Updated February 2026
2026 BAH Rates: Indian Head Naval Surface Warfare Center
Monthly Basic Allowance for Housing rates for Indian Head Naval Surface Warfare Center (Navy) in the Indian Head Navordsta military housing area (MHA: MD134), effective January 1, 2026.
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| Pay Grade | Monthly Rate | Annual Rate |
|---|---|---|
| Enlisted | ||
| E-1 | $3,192 | $38,304 |
| E-2 | $3,192 | $38,304 |
| E-3 | $3,192 | $38,304 |
| E-4 | $3,192 | $38,304 |
| E-5 | $3,249 | $38,988 |
| E-6 | $3,378 | $40,536 |
| E-7 | $3,483 | $41,796 |
| E-8 | $3,597 | $43,164 |
| E-9 | $3,768 | $45,216 |
| Warrant Officer | ||
| W-1 | $3,393 | $40,716 |
| W-2 | $3,528 | $42,336 |
| W-3 | $3,672 | $44,064 |
| W-4 | $3,804 | $45,648 |
| W-5 | $3,969 | $47,628 |
| Commissioned Officer (Prior Enlisted) | ||
| O-1E | $3,501 | $42,012 |
| O-2E | $3,648 | $43,776 |
| O-3E | $3,831 | $45,972 |
| Commissioned Officer | ||
| O-1 | $3,273 | $39,276 |
| O-2 | $3,375 | $40,500 |
| O-3 | $3,669 | $44,028 |
| O-4 | $4,020 | $48,240 |
| O-5 | $4,278 | $51,336 |
| O-6 | $4,314 | $51,768 |
| O-7 | $4,344 | $52,128 |
| Pay Grade | Monthly Rate | Annual Rate |
|---|---|---|
| Enlisted | ||
| E-1 | $2,472 | $29,664 |
| E-2 | $2,472 | $29,664 |
| E-3 | $2,472 | $29,664 |
| E-4 | $2,472 | $29,664 |
| E-5 | $2,904 | $34,848 |
| E-6 | $3,135 | $37,620 |
| E-7 | $3,189 | $38,268 |
| E-8 | $3,282 | $39,384 |
| E-9 | $3,306 | $39,672 |
| Warrant Officer | ||
| W-1 | $3,186 | $38,232 |
| W-2 | $3,279 | $39,348 |
| W-3 | $3,315 | $39,780 |
| W-4 | $3,396 | $40,752 |
| W-5 | $3,507 | $42,084 |
| Commissioned Officer (Prior Enlisted) | ||
| O-1E | $3,246 | $38,952 |
| O-2E | $3,300 | $39,600 |
| O-3E | $3,366 | $40,392 |
| Commissioned Officer | ||
| O-1 | $3,132 | $37,584 |
| O-2 | $3,234 | $38,808 |
| O-3 | $3,327 | $39,924 |
| O-4 | $3,483 | $41,796 |
| O-5 | $3,543 | $42,516 |
| O-6 | $3,651 | $43,812 |
| O-7 | $3,714 | $44,568 |
Frequently Asked Questions
Calculate your full military pay including base pay, BAH, and BAS
Military Pay CalculatorHow BAH at Indian Head Naval Surface Warfare Center compares (Indian Head Navordsta, MD MHA)
BAH for Indian Head Naval Surface Warfare Center runs above the national average: $3,249/mo for an E-5 with dependents versus a $2,289 average across all 299 MHAs (40th overall, 42% above average).
Within the state, this is the highest-rate MHA of 9; the lowest is Eastern Shore, MD at $2,121/mo for the same E-5 — a $1,128 monthly spread that matters if you have any say in your assignment.
Across enlisted grades here, having dependents adds an average of $504/mo (18.8%) 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.