Updated February 2026
BAH Rates in Minnesota 2026
There are 2 military housing areas in Minnesota. In 2026, BAH rates for an E-5 with dependents range from $2,064/month in Duluth to $2,541/month in Minneapolis/St. Paul. Rates are set annually by the Department of Defense based on local rental market surveys.
Find BAH Rates by ZIP Code
Highest E-5 w/Dep
$2,541
Minneapolis/St. Paul
Lowest E-5 w/Dep
$2,064
Duluth
Housing Areas
2
MHAs in MN
| Location | E-5 w/Dep | E-5 w/o Dep | O-3 w/Dep |
|---|---|---|---|
| Duluth | $2,064 | $1,653 | $2,370 |
| Minneapolis/St. Paul | $2,541 | $1,905 | $2,910 |
How Minnesota BAH compares
Minnesota's 2 military housing areas average $2,303/mo for an E-5 with dependents — 0.6% above the national MHA average of $2,289. The spread inside the state is real money: Minneapolis/St Paul, MN tops the table at $2,541/mo while Duluth, MN sits at $2,064/mo — a $477 monthly difference for the same rank and dependency status.
Computed from the official 2026 BAH rate file. Benchmark: E-5 with dependents across 299 market-priced MHAs nationwide.