E-5 BAH Rates in Saginaw, MI (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an E-5 (Sergeant (SGT)) stationed in Saginaw, MI is $1,503 per month with dependents and $1,128 per month without dependents. This rate is $786 below the national average for E-5.

BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with E-5 base pay of $4,110/mo (at 6 years of service) and BAS of $476.95/mo, total monthly compensation in Saginaw is approximately $6,089.95 with dependents or $5,714.95 without.

E-5 BAH: Saginaw vs National Average

	Saginaw	National Avg	Difference
With Dependents	$1,503	$2,289	−$786
Without Dependents	$1,128	$1,871	−$743

E-5 Total Monthly Compensation in Saginaw

Here is how E-5 pay breaks down for a service member with 6 years of service stationed in Saginaw:

Component	With Dependents	Without Dependents
Base Pay	$4,110	$4,110
BAH	$1,503	$1,128
BAS	$476.95	$476.95
Total	$6,089.95	$5,714.95

Base pay shown for 6 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-3 — $1,329/mo
• E-4 — $1,329/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-5 in Saginaw?

The 2026 E-5 BAH rate in Saginaw is $1,503/mo with dependents and $1,128/mo without dependents.

What is the total monthly pay for E-5 in Saginaw?

An E-5 with 6 years of service in Saginaw earns approximately $6,089.95/mo total compensation with dependents (base pay $4,110 + BAH $1,503 + BAS $476.95). Without dependents: $5,714.95/mo.

Is Saginaw BAH above or below average?

E-5 BAH in Saginaw is $786 below the national average of $2,289/mo with dependents.

View all Michigan BAH rates →