Updated February 2026

BAH Rates Toledo, OH 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Toledo military housing area (MHA: OH232), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$2,031

$24,372/year

E-5 without Dependents

$1,524

$18,288/year

O-3 with Dependents

$2,199

$26,388/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,758	$21,096
E-2	$1,758	$21,096
E-3	$1,758	$21,096
E-4	$1,758	$21,096
E-5	$2,031	$24,372
E-6	$2,166	$25,992
E-7	$2,184	$26,208
E-8	$2,193	$26,316
E-9	$2,283	$27,396
Warrant Officer
W-1	$2,181	$26,172
W-2	$2,190	$26,280
W-3	$2,202	$26,424
W-4	$2,319	$27,828
W-5	$2,490	$29,880
Commissioned Officer (Prior Enlisted)
O-1E	$2,187	$26,244
O-2E	$2,196	$26,352
O-3E	$2,346	$28,152
Commissioned Officer
O-1	$2,058	$24,696
O-2	$2,163	$25,956
O-3	$2,199	$26,388
O-4	$2,544	$30,528
O-5	$2,811	$33,732
O-6	$2,832	$33,984
O-7	$2,850	$34,200

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,320	$15,840
E-2	$1,320	$15,840
E-3	$1,320	$15,840
E-4	$1,320	$15,840
E-5	$1,524	$18,288
E-6	$1,620	$19,440
E-7	$1,770	$21,240
E-8	$2,064	$24,768
E-9	$2,091	$25,092
Warrant Officer
W-1	$1,671	$20,052
W-2	$2,061	$24,732
W-3	$2,100	$25,200
W-4	$2,157	$25,884
W-5	$2,169	$26,028
Commissioned Officer (Prior Enlisted)
O-1E	$2,028	$24,336
O-2E	$2,085	$25,020
O-3E	$2,154	$25,848
Commissioned Officer
O-1	$1,545	$18,540
O-2	$1,944	$23,328
O-3	$2,112	$25,344
O-4	$2,160	$25,920
O-5	$2,172	$26,064
O-6	$2,175	$26,100
O-7	$2,196	$26,352

28 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Toledo (OH232) Military Housing Area:

43412 43504 43528 43537 43542 43547 43560 43566 43571 43602 43604 43605 43606 43607 43608 43609 43610 43611 43612 43613 43614 43615 43616 43617 43618 43620 43623 43624

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Toledo, OH is $2,031 per month ($24,372 per year). Without dependents, the rate is $1,524 per month.

How many ZIP codes are in the Toledo MHA?

The Toledo Military Housing Area (OH232) includes 28 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.