Updated February 2026

BAH Rates Indianapolis, IN 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Indianapolis military housing area (MHA: IN094), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$1,875

$22,500/year

E-5 without Dependents

$1,533

$18,396/year

O-3 with Dependents

$2,307

$27,684/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,749	$20,988
E-2	$1,749	$20,988
E-3	$1,749	$20,988
E-4	$1,749	$20,988
E-5	$1,875	$22,500
E-6	$2,208	$26,496
E-7	$2,244	$26,928
E-8	$2,283	$27,396
E-9	$2,346	$28,152
Warrant Officer
W-1	$2,229	$26,748
W-2	$2,259	$27,108
W-3	$2,310	$27,720
W-4	$2,361	$28,332
W-5	$2,433	$29,196
Commissioned Officer (Prior Enlisted)
O-1E	$2,247	$26,964
O-2E	$2,298	$27,576
O-3E	$2,373	$28,476
Commissioned Officer
O-1	$1,923	$23,076
O-2	$2,205	$26,460
O-3	$2,307	$27,684
O-4	$2,451	$29,412
O-5	$2,559	$30,708
O-6	$2,577	$30,924
O-7	$2,592	$31,104

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,395	$16,740
E-2	$1,395	$16,740
E-3	$1,395	$16,740
E-4	$1,395	$16,740
E-5	$1,533	$18,396
E-6	$1,656	$19,872
E-7	$1,749	$20,988
E-8	$1,947	$23,364
E-9	$2,040	$24,480
Warrant Officer
W-1	$1,716	$20,592
W-2	$1,944	$23,328
W-3	$2,055	$24,660
W-4	$2,211	$26,532
W-5	$2,250	$27,000
Commissioned Officer (Prior Enlisted)
O-1E	$1,872	$22,464
O-2E	$2,019	$24,228
O-3E	$2,202	$26,424
Commissioned Officer
O-1	$1,617	$19,404
O-2	$1,836	$22,032
O-3	$2,085	$25,020
O-4	$2,238	$26,856
O-5	$2,253	$27,036
O-6	$2,286	$27,432
O-7	$2,322	$27,864

36 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Indianapolis (IN094) Military Housing Area:

46107 46201 46202 46203 46204 46205 46208 46214 46216 46217 46218 46219 46220 46221 46222 46224 46225 46226 46227 46228 46229 46231 46234 46235 46236 46237 46239 46240 46241 46250 46254 46256 46259 46260 46268 46278

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Indianapolis, IN is $1,875 per month ($22,500 per year). Without dependents, the rate is $1,533 per month.

How many ZIP codes are in the Indianapolis MHA?

The Indianapolis Military Housing Area (IN094) includes 36 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.