Updated February 2026

BAH Rates Fort Wayne, IN 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Fort Wayne military housing area (MHA: IN097), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$1,947

$23,364/year

E-5 without Dependents

$1,503

$18,036/year

O-3 with Dependents

$2,205

$26,460/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,782	$21,384
E-2	$1,782	$21,384
E-3	$1,782	$21,384
E-4	$1,782	$21,384
E-5	$1,947	$23,364
E-6	$2,130	$25,560
E-7	$2,154	$25,848
E-8	$2,184	$26,208
E-9	$2,289	$27,468
Warrant Officer
W-1	$2,145	$25,740
W-2	$2,166	$25,992
W-3	$2,208	$26,496
W-4	$2,319	$27,828
W-5	$2,463	$29,556
Commissioned Officer (Prior Enlisted)
O-1E	$2,157	$25,884
O-2E	$2,199	$26,388
O-3E	$2,343	$28,116
Commissioned Officer
O-1	$1,977	$23,724
O-2	$2,127	$25,524
O-3	$2,205	$26,460
O-4	$2,505	$30,060
O-5	$2,727	$32,724
O-6	$2,745	$32,940
O-7	$2,763	$33,156

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,338	$16,056
E-2	$1,338	$16,056
E-3	$1,338	$16,056
E-4	$1,338	$16,056
E-5	$1,503	$18,036
E-6	$1,626	$19,512
E-7	$1,785	$21,420
E-8	$1,989	$23,868
E-9	$2,034	$24,408
Warrant Officer
W-1	$1,734	$20,808
W-2	$1,986	$23,832
W-3	$2,043	$24,516
W-4	$2,127	$25,524
W-5	$2,160	$25,920
Commissioned Officer (Prior Enlisted)
O-1E	$1,944	$23,328
O-2E	$2,022	$24,264
O-3E	$2,118	$25,416
Commissioned Officer
O-1	$1,611	$19,332
O-2	$1,896	$22,752
O-3	$2,058	$24,696
O-4	$2,145	$25,740
O-5	$2,163	$25,956
O-6	$2,184	$26,208
O-7	$2,220	$26,640

26 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Fort Wayne (IN097) Military Housing Area:

46741 46743 46745 46748 46765 46773 46774 46788 46797 46798 46802 46803 46804 46805 46806 46807 46808 46809 46814 46815 46816 46818 46819 46825 46835 46845

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Fort Wayne, IN is $1,947 per month ($23,364 per year). Without dependents, the rate is $1,503 per month.

How many ZIP codes are in the Fort Wayne MHA?

The Fort Wayne Military Housing Area (IN097) includes 26 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 Indiana BAH rates →

How Fort Wayne, IN BAH compares nationally

BAH for Fort Wayne, IN comes in below the national average — $1,947/mo for an E-5 with dependents, 14.9% under the $2,289 average across 299 MHAs (178th overall).

Within the state, this is the highest-rate MHA of 4; the lowest is Terre Haute, IN at $1,494/mo for the same E-5 — a $453 monthly spread that matters if you have any say in your assignment.

Across enlisted grades here, having dependents adds an average of $394/mo (26.3%) 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.