Updated February 2026

BAH Rates Traverse City, MI 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Traverse City military housing area (MHA: MI146), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$2,070

$24,840/year

E-5 without Dependents

$1,896

$22,752/year

O-3 with Dependents

$3,069

$36,828/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,037	$24,444
E-2	$2,037	$24,444
E-3	$2,037	$24,444
E-4	$2,037	$24,444
E-5	$2,070	$24,840
E-6	$2,802	$33,624
E-7	$2,901	$34,812
E-8	$3,003	$36,036
E-9	$3,123	$37,476
Warrant Officer
W-1	$2,823	$33,876
W-2	$2,943	$35,316
W-3	$3,072	$36,864
W-4	$3,141	$37,692
W-5	$3,231	$38,772
Commissioned Officer (Prior Enlisted)
O-1E	$2,916	$34,992
O-2E	$3,051	$36,612
O-3E	$3,156	$37,872
Commissioned Officer
O-1	$2,160	$25,920
O-2	$2,793	$33,516
O-3	$3,069	$36,828
O-4	$3,255	$39,060
O-5	$3,390	$40,680
O-6	$3,417	$41,004
O-7	$3,441	$41,292

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,716	$20,592
E-2	$1,716	$20,592
E-3	$1,716	$20,592
E-4	$1,716	$20,592
E-5	$1,896	$22,752
E-6	$2,103	$25,236
E-7	$2,175	$26,100
E-8	$2,253	$27,036
E-9	$2,439	$29,268
Warrant Officer
W-1	$2,118	$25,416
W-2	$2,214	$26,568
W-3	$2,463	$29,556
W-4	$2,820	$33,840
W-5	$2,922	$35,064
Commissioned Officer (Prior Enlisted)
O-1E	$2,187	$26,244
O-2E	$2,388	$28,656
O-3E	$2,796	$33,552
Commissioned Officer
O-1	$1,998	$23,976
O-2	$2,178	$26,136
O-3	$2,535	$30,420
O-4	$2,898	$34,776
O-5	$2,955	$35,460
O-6	$3,051	$36,612
O-7	$3,102	$37,224

7 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Traverse City (MI146) Military Housing Area:

49637 49643 49649 49666 49684 49686 49690

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Traverse City, MI is $2,070 per month ($24,840 per year). Without dependents, the rate is $1,896 per month.

How many ZIP codes are in the Traverse City MHA?

The Traverse City Military Housing Area (MI146) includes 7 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 Traverse City, MI BAH compares nationally

BAH for Traverse City, MI comes in below the national average — $2,070/mo for an E-5 with dependents, 9.6% under the $2,289 average across 299 MHAs (158th overall).

Statewide, this ranks 5th of 10 MHAs — between Ann Arbor, MI ($2,559/mo, highest) and Saginaw, MI ($1,503/mo, lowest) for an E-5 with dependents.

Across enlisted grades here, having dependents adds an average of $480/mo (23.6%) 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.