Updated February 2026

BAH Rates Providence, RI 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Providence military housing area (MHA: RI257), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$3,195

$38,340/year

E-5 without Dependents

$2,682

$32,184/year

O-3 with Dependents

$4,008

$48,096/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$3,045	$36,540
E-2	$3,045	$36,540
E-3	$3,045	$36,540
E-4	$3,045	$36,540
E-5	$3,195	$38,340
E-6	$3,456	$41,472
E-7	$3,657	$43,884
E-8	$3,876	$46,512
E-9	$4,101	$49,212
Warrant Officer
W-1	$3,477	$41,724
W-2	$3,747	$44,964
W-3	$4,017	$48,204
W-4	$4,131	$49,572
W-5	$4,272	$51,264
Commissioned Officer (Prior Enlisted)
O-1E	$3,699	$44,388
O-2E	$3,978	$47,736
O-3E	$4,152	$49,824
Commissioned Officer
O-1	$3,234	$38,808
O-2	$3,453	$41,436
O-3	$4,008	$48,096
O-4	$4,317	$51,804
O-5	$4,533	$54,396
O-6	$4,572	$54,864
O-7	$4,608	$55,296

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,283	$27,396
E-2	$2,283	$27,396
E-3	$2,283	$27,396
E-4	$2,283	$27,396
E-5	$2,682	$32,184
E-6	$2,907	$34,884
E-7	$3,048	$36,576
E-8	$3,255	$39,060
E-9	$3,324	$39,888
Warrant Officer
W-1	$3,006	$36,072
W-2	$3,252	$39,024
W-3	$3,333	$39,996
W-4	$3,498	$41,976
W-5	$3,708	$44,496
Commissioned Officer (Prior Enlisted)
O-1E	$3,192	$38,304
O-2E	$3,306	$39,672
O-3E	$3,447	$41,364
Commissioned Officer
O-1	$2,892	$34,704
O-2	$3,150	$37,800
O-3	$3,357	$40,284
O-4	$3,669	$44,028
O-5	$3,792	$45,504
O-6	$3,996	$47,952
O-7	$4,068	$48,816

34 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Providence (RI257) Military Housing Area:

02814 02815 02825 02828 02830 02831 02838 02839 02857 02858 02859 02860 02861 02863 02864 02865 02895 02896 02903 02904 02905 02906 02907 02908 02909 02910 02911 02914 02915 02916 02917 02919 02920 02921

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Providence, RI is $3,195 per month ($38,340 per year). Without dependents, the rate is $2,682 per month.

How many ZIP codes are in the Providence MHA?

The Providence Military Housing Area (RI257) includes 34 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 Rhode Island BAH rates →

How Providence, RI BAH compares nationally

BAH for Providence, RI runs above the national average: $3,195/mo for an E-5 with dependents versus a $2,289 average across all 299 MHAs (43rd overall, 39.6% above average).

Within the state, this is the highest-rate MHA of 2; the lowest is Newport, RI at $2,847/mo for the same E-5 — a $348 monthly spread that matters if you have any say in your assignment.

Across enlisted grades here, having dependents adds an average of $680/mo (26%) 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.