Updated February 2026

BAH Rates Champaign/Urbana, IL 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Champaign/Urbana military housing area (MHA: IL088), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$1,539

$18,468/year

E-5 without Dependents

$1,329

$15,948/year

O-3 with Dependents

$2,127

$25,524/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,467	$17,604
E-2	$1,467	$17,604
E-3	$1,467	$17,604
E-4	$1,467	$17,604
E-5	$1,539	$18,468
E-6	$1,980	$23,760
E-7	$2,034	$24,408
E-8	$2,091	$25,092
E-9	$2,238	$26,856
Warrant Officer
W-1	$2,001	$24,012
W-2	$2,058	$24,696
W-3	$2,130	$25,560
W-4	$2,280	$27,360
W-5	$2,466	$29,592
Commissioned Officer (Prior Enlisted)
O-1E	$2,040	$24,480
O-2E	$2,118	$25,416
O-3E	$2,310	$27,720
Commissioned Officer
O-1	$1,599	$19,188
O-2	$1,977	$23,724
O-3	$2,127	$25,524
O-4	$2,529	$30,348
O-5	$2,820	$33,840
O-6	$2,841	$34,092
O-7	$2,859	$34,308

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,230	$14,760
E-2	$1,230	$14,760
E-3	$1,230	$14,760
E-4	$1,230	$14,760
E-5	$1,329	$15,948
E-6	$1,485	$17,820
E-7	$1,527	$18,324
E-8	$1,632	$19,584
E-9	$1,761	$21,132
Warrant Officer
W-1	$1,500	$18,000
W-2	$1,629	$19,548
W-3	$1,776	$21,312
W-4	$1,989	$23,868
W-5	$2,046	$24,552
Commissioned Officer (Prior Enlisted)
O-1E	$1,536	$18,432
O-2E	$1,731	$20,772
O-3E	$1,974	$23,688
Commissioned Officer
O-1	$1,392	$16,704
O-2	$1,530	$18,360
O-3	$1,818	$21,816
O-4	$2,028	$24,336
O-5	$2,115	$25,380
O-6	$2,130	$25,560
O-7	$2,145	$25,740

29 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Champaign/Urbana (IL088) Military Housing Area:

60949 61801 61802 61815 61816 61820 61821 61822 61840 61843 61845 61847 61849 61851 61852 61853 61859 61862 61863 61864 61866 61871 61872 61873 61874 61875 61877 61878 61880

Frequently Asked Questions

What is the BAH rate for an E-5 in Champaign/Urbana?

The 2026 BAH rate for an E-5 with dependents in Champaign/Urbana, IL is $1,539 per month ($18,468 per year). Without dependents, the rate is $1,329 per month.

How many ZIP codes are in the Champaign/Urbana MHA?

The Champaign/Urbana Military Housing Area (IL088) includes 29 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 Illinois BAH rates →

How Champaign/Urbana, IL BAH compares nationally

This is one of the country's lower-cost military housing areas: 259th of 299 MHAs, with an E-5-with-dependents rate of $1,539/mo — 32.8% under the $2,289 national average. Lower BAH cuts both ways: the allowance is smaller, but it typically stretches further against local rents.

Statewide, this ranks 6th of 7 MHAs — between Chicago, IL ($3,438/mo, highest) and Springfield/Decatur, IL ($1,527/mo, lowest) for an E-5 with dependents.

Across enlisted grades here, having dependents adds an average of $344/mo (23.8%) 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.