Updated February 2026

BAH Rates Ann Arbor, MI 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Ann Arbor military housing area (MHA: MI155), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$2,559

$30,708/year

E-5 without Dependents

$1,920

$23,040/year

O-3 with Dependents

$3,357

$40,284/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,292	$27,504
E-2	$2,292	$27,504
E-3	$2,292	$27,504
E-4	$2,292	$27,504
E-5	$2,559	$30,708
E-6	$3,078	$36,936
E-7	$3,180	$38,160
E-8	$3,291	$39,492
E-9	$3,483	$41,796
Warrant Officer
W-1	$3,099	$37,188
W-2	$3,225	$38,700
W-3	$3,360	$40,320
W-4	$3,528	$42,336
W-5	$3,735	$44,820
Commissioned Officer (Prior Enlisted)
O-1E	$3,198	$38,376
O-2E	$3,339	$40,068
O-3E	$3,561	$42,732
Commissioned Officer
O-1	$2,628	$31,536
O-2	$3,075	$36,900
O-3	$3,357	$40,284
O-4	$3,804	$45,648
O-5	$4,128	$49,536
O-6	$4,161	$49,932
O-7	$4,191	$50,292

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,719	$20,628
E-2	$1,719	$20,628
E-3	$1,719	$20,628
E-4	$1,719	$20,628
E-5	$1,920	$23,040
E-6	$2,310	$27,720
E-7	$2,385	$28,620
E-8	$2,667	$32,004
E-9	$2,820	$33,840
Warrant Officer
W-1	$2,325	$27,900
W-2	$2,664	$31,968
W-3	$2,838	$34,056
W-4	$3,099	$37,188
W-5	$3,204	$38,448
Commissioned Officer (Prior Enlisted)
O-1E	$2,556	$30,672
O-2E	$2,787	$33,444
O-3E	$3,072	$36,864
Commissioned Officer
O-1	$2,019	$24,228
O-2	$2,472	$29,664
O-3	$2,889	$34,668
O-4	$3,180	$38,160
O-5	$3,240	$38,880
O-6	$3,339	$40,068
O-7	$3,396	$40,752

15 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Ann Arbor (MI155) Military Housing Area:

48103 48104 48105 48108 48109 48118 48130 48158 48160 48176 48189 48190 48191 48197 48198

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Ann Arbor, MI is $2,559 per month ($30,708 per year). Without dependents, the rate is $1,920 per month.

How many ZIP codes are in the Ann Arbor MHA?

The Ann Arbor Military Housing Area (MI155) includes 15 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 Michigan BAH rates →

How Ann Arbor, MI BAH compares nationally

BAH for Ann Arbor, MI runs above the national average: $2,559/mo for an E-5 with dependents versus a $2,289 average across all 299 MHAs (83rd overall, 11.8% above average).

Within the state, this is the highest-rate MHA of 10; the lowest is Saginaw, MI at $1,503/mo for the same E-5 — a $1,056 monthly spread that matters if you have any say in your assignment.

Across enlisted grades here, having dependents adds an average of $642/mo (31.1%) 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.