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.

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 Fargo, ND BAH compares nationally

This is one of the country's lower-cost military housing areas: 226th of 299 MHAs, with an E-5-with-dependents rate of $1,707/mo — 25.4% 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 2nd 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 $449/mo (29.4%) 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.