Updated February 2026

BAH Rates Fargo, ND 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Fargo military housing area (MHA: ND189), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$1,707

$20,484/year

E-5 without Dependents

$1,281

$15,372/year

O-3 with Dependents

$2,511

$30,132/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,521	$18,252
E-2	$1,521	$18,252
E-3	$1,521	$18,252
E-4	$1,521	$18,252
E-5	$1,707	$20,484
E-6	$2,337	$28,044
E-7	$2,400	$28,800
E-8	$2,466	$29,592
E-9	$2,574	$30,888
Warrant Officer
W-1	$2,358	$28,296
W-2	$2,427	$29,124
W-3	$2,514	$30,168
W-4	$2,598	$31,176
W-5	$2,706	$32,472
Commissioned Officer (Prior Enlisted)
O-1E	$2,409	$28,908
O-2E	$2,499	$29,988
O-3E	$2,613	$31,356
Commissioned Officer
O-1	$1,785	$21,420
O-2	$2,328	$27,936
O-3	$2,511	$30,132
O-4	$2,739	$32,868
O-5	$2,904	$34,848
O-6	$2,925	$35,100
O-7	$2,946	$35,352

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,206	$14,472
E-2	$1,206	$14,472
E-3	$1,206	$14,472
E-4	$1,206	$14,472
E-5	$1,281	$15,372
E-6	$1,752	$21,024
E-7	$1,800	$21,600
E-8	$1,851	$22,212
E-9	$2,022	$24,264
Warrant Officer
W-1	$1,770	$21,240
W-2	$1,833	$21,996
W-3	$2,046	$24,552
W-4	$2,346	$28,152
W-5	$2,415	$28,980
Commissioned Officer (Prior Enlisted)
O-1E	$1,806	$21,672
O-2E	$1,980	$23,760
O-3E	$2,331	$27,972
Commissioned Officer
O-1	$1,338	$16,056
O-2	$1,803	$21,636
O-3	$2,106	$25,272
O-4	$2,397	$28,764
O-5	$2,430	$29,160
O-6	$2,490	$29,880
O-7	$2,532	$30,384

23 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Fargo (ND189) Military Housing Area:

58004 58005 58006 58007 58011 58012 58021 58029 58036 58038 58042 58047 58048 58051 58052 58059 58064 58071 58078 58079 58102 58103 58104

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Fargo, ND is $1,707 per month ($20,484 per year). Without dependents, the rate is $1,281 per month.

How many ZIP codes are in the Fargo MHA?

The Fargo Military Housing Area (ND189) includes 23 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.