E-5 BAH Rates in Champaign/Urbana, IL (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an E-5 (Sergeant (SGT)) stationed in Champaign/Urbana, IL is $1,539 per month with dependents and $1,329 per month without dependents. This rate is $750 below the national average for E-5.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with E-5 base pay of $4,110/mo (at 6 years of service) and BAS of $476.95/mo, total monthly compensation in Champaign/Urbana is approximately $6,125.95 with dependents or $5,915.95 without.
E-5 BAH: Champaign/Urbana vs National Average
| Champaign/Urbana | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $1,539 | $2,289 | −$750 |
| Without Dependents | $1,329 | $1,871 | −$542 |
E-5 Total Monthly Compensation in Champaign/Urbana
Here is how E-5 pay breaks down for a service member with 6 years of service stationed in Champaign/Urbana:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $4,110 | $4,110 |
| BAH | $1,539 | $1,329 |
| BAS | $476.95 | $476.95 |
| Total | $6,125.95 | $5,915.95 |
Base pay shown for 6 years of service. BAH and BAS are tax-free. Actual take-home pay will differ after federal tax on base pay. Use our Military Pay Calculator for a personalized estimate.
Other Ranks in Champaign/Urbana
- E-3 — $1,467/mo
- E-4 — $1,467/mo
- E-6 — $1,980/mo
- E-7 — $2,034/mo
- O-1 — $1,599/mo
- O-2 — $1,977/mo
- O-3 — $2,127/mo
Frequently Asked Questions
What is the 2026 BAH rate for E-5 in Champaign/Urbana?
The 2026 E-5 BAH rate in Champaign/Urbana is $1,539/mo with dependents and $1,329/mo without dependents.
What is the total monthly pay for E-5 in Champaign/Urbana?
An E-5 with 6 years of service in Champaign/Urbana earns approximately $6,125.95/mo total compensation with dependents (base pay $4,110 + BAH $1,539 + BAS $476.95). Without dependents: $5,915.95/mo.
Is Champaign/Urbana BAH above or below average?
E-5 BAH in Champaign/Urbana is $750 below the national average of $2,289/mo with dependents.
E-5 BAH in Champaign/Urbana, IL, in context
An E-5 with dependents in Champaign/Urbana, IL draws $1,539/mo — 32.8% below the national average of $2,289 for this grade (259th of 299 MHAs). Without dependents the rate is $1,329/mo, a $210 difference.
Promotion changes housing money here: pinning on E-6 raises BAH in this MHA by $441/mo (to $1,980), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.