Updated February 2026

BAH Rates Annapolis, MD 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Annapolis military housing area (MHA: MD128), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$2,928

$35,136/year

E-5 without Dependents

$2,475

$29,700/year

O-3 with Dependents

$3,438

$41,256/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,757	$33,084
E-2	$2,757	$33,084
E-3	$2,757	$33,084
E-4	$2,757	$33,084
E-5	$2,928	$35,136
E-6	$3,228	$38,736
E-7	$3,303	$39,636
E-8	$3,384	$40,608
E-9	$3,546	$42,552
Warrant Officer
W-1	$3,246	$38,952
W-2	$3,336	$40,032
W-3	$3,441	$41,292
W-4	$3,585	$43,020
W-5	$3,762	$45,144
Commissioned Officer (Prior Enlisted)
O-1E	$3,315	$39,780
O-2E	$3,423	$41,076
O-3E	$3,612	$43,344
Commissioned Officer
O-1	$2,970	$35,640
O-2	$3,225	$38,700
O-3	$3,438	$41,256
O-4	$3,822	$45,864
O-5	$4,101	$49,212
O-6	$4,134	$49,608
O-7	$4,164	$49,968

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,280	$27,360
E-2	$2,280	$27,360
E-3	$2,280	$27,360
E-4	$2,280	$27,360
E-5	$2,475	$29,700
E-6	$2,601	$31,212
E-7	$2,763	$33,156
E-8	$2,991	$35,892
E-9	$3,075	$36,900
Warrant Officer
W-1	$2,709	$32,508
W-2	$2,988	$35,856
W-3	$3,087	$37,044
W-4	$3,237	$38,844
W-5	$3,321	$39,852
Commissioned Officer (Prior Enlisted)
O-1E	$2,925	$35,100
O-2E	$3,054	$36,648
O-3E	$3,219	$38,628
Commissioned Officer
O-1	$2,586	$31,032
O-2	$2,874	$34,488
O-3	$3,114	$37,368
O-4	$3,300	$39,600
O-5	$3,342	$40,104
O-6	$3,417	$41,004
O-7	$3,477	$41,724

36 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Annapolis (MD128) Military Housing Area:

20701 20711 20724 20733 20751 20755 20758 20764 20765 20776 20778 20779 20794 21012 21032 21035 21037 21054 21056 21060 21061 21076 21077 21090 21108 21113 21114 21122 21140 21144 21146 21226 21401 21402 21403 21405

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Annapolis, MD is $2,928 per month ($35,136 per year). Without dependents, the rate is $2,475 per month.

How many ZIP codes are in the Annapolis MHA?

The Annapolis Military Housing Area (MD128) 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.

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 Maryland BAH rates →

How Annapolis, MD BAH compares nationally

BAH for Annapolis, MD runs above the national average: $2,928/mo for an E-5 with dependents versus a $2,289 average across all 299 MHAs (55th overall, 27.9% above average).

Statewide, this ranks 2nd of 9 MHAs — between Indian Head Navordsta, MD ($3,249/mo, highest) and Eastern Shore, MD ($2,121/mo, lowest) for an E-5 with dependents.

Across enlisted grades here, having dependents adds an average of $488/mo (19.3%) 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.