Updated February 2026

BAH Rates Bismarck, ND 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Bismarck military housing area (MHA: ND188), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$1,596

$19,152/year

E-5 without Dependents

$1,287

$15,444/year

O-3 with Dependents

$2,370

$28,440/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,500	$18,000
E-2	$1,500	$18,000
E-3	$1,500	$18,000
E-4	$1,500	$18,000
E-5	$1,596	$19,152
E-6	$2,202	$26,424
E-7	$2,262	$27,144
E-8	$2,328	$27,936
E-9	$2,376	$28,512
Warrant Officer
W-1	$2,223	$26,676
W-2	$2,289	$27,468
W-3	$2,373	$28,476
W-4	$2,379	$28,548
W-5	$2,385	$28,620
Commissioned Officer (Prior Enlisted)
O-1E	$2,271	$27,252
O-2E	$2,358	$28,296
O-3E	$2,382	$28,584
Commissioned Officer
O-1	$1,674	$20,088
O-2	$2,196	$26,352
O-3	$2,370	$28,440
O-4	$2,388	$28,656
O-5	$2,391	$28,692
O-6	$2,397	$28,764
O-7	$2,409	$28,908

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,125	$13,500
E-2	$1,125	$13,500
E-3	$1,125	$13,500
E-4	$1,125	$13,500
E-5	$1,287	$15,444
E-6	$1,653	$19,836
E-7	$1,698	$20,376
E-8	$1,746	$20,952
E-9	$1,899	$22,788
Warrant Officer
W-1	$1,668	$20,016
W-2	$1,716	$20,592
W-3	$1,923	$23,076
W-4	$2,211	$26,532
W-5	$2,277	$27,324
Commissioned Officer (Prior Enlisted)
O-1E	$1,704	$20,448
O-2E	$1,860	$22,320
O-3E	$2,196	$26,352
Commissioned Officer
O-1	$1,398	$16,776
O-2	$1,701	$20,412
O-3	$1,980	$23,760
O-4	$2,259	$27,108
O-5	$2,292	$27,504
O-6	$2,349	$28,188
O-7	$2,388	$28,656

11 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Bismarck (ND188) Military Housing Area:

58477 58494 58501 58504 58505 58521 58532 58553 58558 58560 58572

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Bismarck, ND is $1,596 per month ($19,152 per year). Without dependents, the rate is $1,287 per month.

How many ZIP codes are in the Bismarck MHA?

The Bismarck Military Housing Area (ND188) includes 11 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 North Dakota BAH rates →

How Bismarck, ND BAH compares nationally

This is one of the country's lower-cost military housing areas: 244th of 299 MHAs, with an E-5-with-dependents rate of $1,596/mo — 30.3% under the $2,289 national average. Lower BAH cuts both ways: the allowance is smaller, but it typically stretches further against local rents.

Statewide, this ranks 3rd of 4 MHAs — between Grand Forks, ND ($1,731/mo, highest) and Minot AFB, ND ($1,548/mo, lowest) for an E-5 with dependents.

Across enlisted grades here, having dependents adds an average of $442/mo (31.4%) 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.