Updated February 2026

BAH Rates Duluth, MN 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Duluth military housing area (MHA: MN158), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$2,064

$24,768/year

E-5 without Dependents

$1,653

$19,836/year

O-3 with Dependents

$2,370

$28,440/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,917	$23,004
E-2	$1,917	$23,004
E-3	$1,917	$23,004
E-4	$1,917	$23,004
E-5	$2,064	$24,768
E-6	$2,334	$28,008
E-7	$2,355	$28,260
E-8	$2,364	$28,368
E-9	$2,433	$29,196
Warrant Officer
W-1	$2,352	$28,224
W-2	$2,361	$28,332
W-3	$2,373	$28,476
W-4	$2,457	$29,484
W-5	$2,583	$30,996
Commissioned Officer (Prior Enlisted)
O-1E	$2,358	$28,296
O-2E	$2,367	$28,404
O-3E	$2,478	$29,736
Commissioned Officer
O-1	$2,106	$25,272
O-2	$2,331	$27,972
O-3	$2,370	$28,440
O-4	$2,619	$31,428
O-5	$2,808	$33,696
O-6	$2,829	$33,948
O-7	$2,847	$34,164

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,455	$17,460
E-2	$1,455	$17,460
E-3	$1,455	$17,460
E-4	$1,455	$17,460
E-5	$1,653	$19,836
E-6	$1,782	$21,384
E-7	$1,923	$23,076
E-8	$2,124	$25,488
E-9	$2,196	$26,352
Warrant Officer
W-1	$1,878	$22,536
W-2	$2,121	$25,452
W-3	$2,208	$26,496
W-4	$2,328	$27,936
W-5	$2,343	$28,116
Commissioned Officer (Prior Enlisted)
O-1E	$2,061	$24,732
O-2E	$2,181	$26,172
O-3E	$2,325	$27,900
Commissioned Officer
O-1	$1,767	$21,204
O-2	$2,019	$24,228
O-3	$2,232	$26,784
O-4	$2,331	$27,972
O-5	$2,346	$28,152
O-6	$2,349	$28,188
O-7	$2,376	$28,512

44 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Duluth (MN158) Military Housing Area:

55602 55702 55703 55705 55706 55708 55710 55711 55713 55717 55719 55723 55724 55725 55731 55732 55734 55736 55738 55741 55746 55750 55751 55758 55763 55765 55768 55771 55779 55781 55782 55790 55792 55796 55802 55803 55804 55805 55806 55807 55808 55810 55811 55812

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Duluth, MN is $2,064 per month ($24,768 per year). Without dependents, the rate is $1,653 per month.

How many ZIP codes are in the Duluth MHA?

The Duluth Military Housing Area (MN158) includes 44 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.