Updated February 2026

BAH Rates Saginaw, MI 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Saginaw military housing area (MHA: MI156), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$1,503

$18,036/year

E-5 without Dependents

$1,128

$13,536/year

O-3 with Dependents

$1,842

$22,104/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,329	$15,948
E-2	$1,329	$15,948
E-3	$1,329	$15,948
E-4	$1,329	$15,948
E-5	$1,503	$18,036
E-6	$1,749	$20,988
E-7	$1,782	$21,384
E-8	$1,818	$21,816
E-9	$1,869	$22,428
Warrant Officer
W-1	$1,767	$21,204
W-2	$1,797	$21,564
W-3	$1,845	$22,140
W-4	$1,878	$22,536
W-5	$1,929	$23,148
Commissioned Officer (Prior Enlisted)
O-1E	$1,785	$21,420
O-2E	$1,833	$21,996
O-3E	$1,887	$22,644
Commissioned Officer
O-1	$1,542	$18,504
O-2	$1,746	$20,952
O-3	$1,842	$22,104
O-4	$1,938	$23,256
O-5	$2,007	$24,084
O-6	$2,022	$24,264
O-7	$2,031	$24,372

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,080	$12,960
E-2	$1,080	$12,960
E-3	$1,080	$12,960
E-4	$1,080	$12,960
E-5	$1,128	$13,536
E-6	$1,311	$15,732
E-7	$1,338	$16,056
E-8	$1,560	$18,720
E-9	$1,623	$19,476
Warrant Officer
W-1	$1,326	$15,912
W-2	$1,557	$18,684
W-3	$1,635	$19,620
W-4	$1,749	$20,988
W-5	$1,788	$21,456
Commissioned Officer (Prior Enlisted)
O-1E	$1,500	$18,000
O-2E	$1,608	$19,296
O-3E	$1,740	$20,880
Commissioned Officer
O-1	$1,158	$13,896
O-2	$1,449	$17,388
O-3	$1,656	$19,872
O-4	$1,773	$21,276
O-5	$1,791	$21,492
O-6	$1,821	$21,852
O-7	$1,848	$22,176

18 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Saginaw (MI156) Military Housing Area:

48415 48417 48601 48602 48603 48604 48607 48609 48614 48616 48623 48626 48637 48649 48655 48722 48724 48734

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Saginaw, MI is $1,503 per month ($18,036 per year). Without dependents, the rate is $1,128 per month.

How many ZIP codes are in the Saginaw MHA?

The Saginaw Military Housing Area (MI156) includes 18 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.