E-3 BAH Rates in Saginaw, MI (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an E-3 (Private First Class (PFC)) stationed in Saginaw, MI is $1,329 per month with dependents and $1,080 per month without dependents. This rate is $800 below the national average for E-3.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with E-3 base pay of $3,015/mo (at 2 years of service) and BAS of $476.95/mo, total monthly compensation in Saginaw is approximately $4,820.95 with dependents or $4,571.95 without.

E-3 BAH: Saginaw vs National Average

	Saginaw	National Avg	Difference
With Dependents	$1,329	$2,129	−$800
Without Dependents	$1,080	$1,683	−$603

E-3 Total Monthly Compensation in Saginaw

Here is how E-3 pay breaks down for a service member with 2 years of service stationed in Saginaw:

Component	With Dependents	Without Dependents
Base Pay	$3,015	$3,015
BAH	$1,329	$1,080
BAS	$476.95	$476.95
Total	$4,820.95	$4,571.95

Base pay shown for 2 years of service. BAH and BAS are tax-free. Actual take-home pay will differ after federal tax on base pay. Use our Military Pay Calculator for a personalized estimate.

Other Ranks in Saginaw

• E-4 — $1,329/mo
• E-5 — $1,503/mo
• E-6 — $1,749/mo
• E-7 — $1,782/mo
• O-1 — $1,542/mo
• O-2 — $1,746/mo
• O-3 — $1,842/mo

Frequently Asked Questions

What is the 2026 BAH rate for E-3 in Saginaw?

The 2026 E-3 BAH rate in Saginaw is $1,329/mo with dependents and $1,080/mo without dependents.

What is the total monthly pay for E-3 in Saginaw?

An E-3 with 2 years of service in Saginaw earns approximately $4,820.95/mo total compensation with dependents (base pay $3,015 + BAH $1,329 + BAS $476.95). Without dependents: $4,571.95/mo.

Is Saginaw BAH above or below average?

E-3 BAH in Saginaw is $800 below the national average of $2,129/mo with dependents.

View all Michigan BAH rates →