Updated February 2026

BAH Rates Houston, TX 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Houston military housing area (MHA: TX282), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$2,193

$26,316/year

E-5 without Dependents

$1,665

$19,980/year

O-3 with Dependents

$2,700

$32,400/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,974	$23,688
E-2	$1,974	$23,688
E-3	$1,974	$23,688
E-4	$1,974	$23,688
E-5	$2,193	$26,316
E-6	$2,517	$30,204
E-7	$2,583	$30,996
E-8	$2,655	$31,860
E-9	$2,796	$33,552
Warrant Officer
W-1	$2,535	$30,420
W-2	$2,610	$31,320
W-3	$2,703	$32,436
W-4	$2,829	$33,948
W-5	$2,988	$35,856
Commissioned Officer (Prior Enlisted)
O-1E	$2,592	$31,104
O-2E	$2,688	$32,256
O-3E	$2,856	$34,272
Commissioned Officer
O-1	$2,241	$26,892
O-2	$2,514	$30,168
O-3	$2,700	$32,400
O-4	$3,039	$36,468
O-5	$3,288	$39,456
O-6	$3,312	$39,744
O-7	$3,336	$40,032

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,524	$18,288
E-2	$1,524	$18,288
E-3	$1,524	$18,288
E-4	$1,524	$18,288
E-5	$1,665	$19,980
E-6	$1,887	$22,644
E-7	$1,980	$23,760
E-8	$2,265	$27,180
E-9	$2,352	$28,224
Warrant Officer
W-1	$1,905	$22,860
W-2	$2,262	$27,144
W-3	$2,367	$28,404
W-4	$2,526	$30,312
W-5	$2,598	$31,176
Commissioned Officer (Prior Enlisted)
O-1E	$2,190	$26,280
O-2E	$2,331	$27,972
O-3E	$2,508	$30,096
Commissioned Officer
O-1	$1,749	$20,988
O-2	$2,124	$25,488
O-3	$2,397	$28,764
O-4	$2,580	$30,960
O-5	$2,616	$31,392
O-6	$2,679	$32,148
O-7	$2,724	$32,688

149 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Houston (TX282) Military Housing Area:

77002 77003 77004 77005 77006 77007 77008 77009 77010 77011 77012 77013 77014 77015 77016 77017 77018 77019 77020 77021 77022 77023 77024 77025 77026 77027 77028 77029 77030 77031 77032 77033 77034 77035 77036 77037 77038 77039 77040 77041 77042 77043 77044 77045 77046 77047 77048 77049 77050 77051 77053 77054 77055 77056 77057 77058 77059 77060 77061 77062 77063 77064 77065 77066 77067 77068 77069 77070 77071 77072 77073 77074 77075 77076 77077 77078 77079 77080 77081 77082 77083 77084 77085 77086 77087 77088 77089 77090 77091 77092 77093 77094 77095 77096 77098 77099 77336 77338 77339 77345 77346 77373 77375 77379 77388 77389 77396 77401 77417 77429 77433 77441 77444 77447 77449 77450 77451 77459 77461 77464 77469 77471 77476 77477 77478 77479 77481 77489 77493 77494 77502 77503 77504 77505 77506 77507 77520 77521 77530 77532 77536 77545 77547 77562 77571 77586 77587 77598 78234

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Houston, TX is $2,193 per month ($26,316 per year). Without dependents, the rate is $1,665 per month.

How many ZIP codes are in the Houston MHA?

The Houston Military Housing Area (TX282) includes 149 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 Texas BAH rates →

How Houston, TX BAH compares nationally

BAH here tracks closely with the national picture — an E-5 with dependents draws $2,193/mo against a national MHA average of $2,289 (134th of 299 MHAs). Neither a windfall nor a squeeze; your allowance should roughly match the local rental market's middle.

Statewide, this ranks 3rd of 17 MHAs — between Dallas, TX ($2,469/mo, highest) and Laughlin AFB/Del Rio, TX ($1,470/mo, lowest) for an E-5 with dependents.

Across enlisted grades here, having dependents adds an average of $488/mo (27.8%) 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.