Updated February 2026

BAH Rates Waco, TX 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Waco military housing area (MHA: TX415), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$1,755

$21,060/year

E-5 without Dependents

$1,440

$17,280/year

O-3 with Dependents

$2,379

$28,548/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,617	$19,404
E-2	$1,617	$19,404
E-3	$1,617	$19,404
E-4	$1,617	$19,404
E-5	$1,755	$21,060
E-6	$2,097	$25,164
E-7	$2,199	$26,388
E-8	$2,310	$27,720
E-9	$2,496	$29,952
Warrant Officer
W-1	$2,118	$25,416
W-2	$2,244	$26,928
W-3	$2,382	$28,584
W-4	$2,538	$30,456
W-5	$2,730	$32,760
Commissioned Officer (Prior Enlisted)
O-1E	$2,217	$26,604
O-2E	$2,361	$28,332
O-3E	$2,568	$30,816
Commissioned Officer
O-1	$1,803	$21,636
O-2	$2,094	$25,128
O-3	$2,379	$28,548
O-4	$2,793	$33,516
O-5	$3,093	$37,116
O-6	$3,117	$37,404
O-7	$3,138	$37,656

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,404	$16,848
E-2	$1,404	$16,848
E-3	$1,404	$16,848
E-4	$1,404	$16,848
E-5	$1,440	$17,280
E-6	$1,572	$18,864
E-7	$1,650	$19,800
E-8	$1,830	$21,960
E-9	$1,926	$23,112
Warrant Officer
W-1	$1,590	$19,080
W-2	$1,827	$21,924
W-3	$1,938	$23,256
W-4	$2,118	$25,416
W-5	$2,223	$26,676
Commissioned Officer (Prior Enlisted)
O-1E	$1,752	$21,024
O-2E	$1,902	$22,824
O-3E	$2,091	$25,092
Commissioned Officer
O-1	$1,473	$17,676
O-2	$1,713	$20,556
O-3	$1,971	$23,652
O-4	$2,199	$26,388
O-5	$2,319	$27,828
O-6	$2,361	$28,332
O-7	$2,400	$28,800

23 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Waco (TX415) Military Housing Area:

76524 76557 76624 76630 76633 76638 76640 76643 76655 76657 76664 76682 76691 76701 76704 76705 76706 76707 76708 76710 76711 76712 76798

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Waco, TX is $1,755 per month ($21,060 per year). Without dependents, the rate is $1,440 per month.

How many ZIP codes are in the Waco MHA?

The Waco Military Housing Area (TX415) 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 Texas BAH rates →

How Waco, TX BAH compares nationally

BAH for Waco, TX comes in below the national average — $1,755/mo for an E-5 with dependents, 23.3% under the $2,289 average across 299 MHAs (220th overall).

Statewide, this ranks 9th 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 $366/mo (22.8%) 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.