Updated February 2026

BAH Rates Madison, WI 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Madison military housing area (MHA: WI316), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$2,655

$31,860/year

E-5 without Dependents

$1,995

$23,940/year

O-3 with Dependents

$3,426

$41,112/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,394	$28,728
E-2	$2,394	$28,728
E-3	$2,394	$28,728
E-4	$2,394	$28,728
E-5	$2,655	$31,860
E-6	$2,889	$34,668
E-7	$3,084	$37,008
E-8	$3,297	$39,564
E-9	$3,525	$42,300
Warrant Officer
W-1	$2,910	$34,920
W-2	$3,171	$38,052
W-3	$3,435	$41,220
W-4	$3,558	$42,696
W-5	$3,711	$44,532
Commissioned Officer (Prior Enlisted)
O-1E	$3,123	$37,476
O-2E	$3,396	$40,752
O-3E	$3,582	$42,984
Commissioned Officer
O-1	$2,691	$32,292
O-2	$2,886	$34,632
O-3	$3,426	$41,112
O-4	$3,759	$45,108
O-5	$3,993	$47,916
O-6	$4,026	$48,312
O-7	$4,056	$48,672

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,797	$21,564
E-2	$1,797	$21,564
E-3	$1,797	$21,564
E-4	$1,797	$21,564
E-5	$1,995	$23,940
E-6	$2,166	$25,992
E-7	$2,406	$28,872
E-8	$2,706	$32,472
E-9	$2,769	$33,228
Warrant Officer
W-1	$2,313	$27,756
W-2	$2,703	$32,436
W-3	$2,778	$33,336
W-4	$2,931	$35,172
W-5	$3,132	$37,584
Commissioned Officer (Prior Enlisted)
O-1E	$2,652	$31,824
O-2E	$2,754	$33,048
O-3E	$2,880	$34,560
Commissioned Officer
O-1	$2,133	$25,596
O-2	$2,571	$30,852
O-3	$2,799	$33,588
O-4	$3,096	$37,152
O-5	$3,216	$38,592
O-6	$3,414	$40,968
O-7	$3,474	$41,688

33 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Madison (WI316) Military Housing Area:

53508 53515 53517 53521 53527 53528 53529 53531 53532 53558 53559 53560 53562 53571 53572 53575 53589 53590 53593 53597 53598 53703 53704 53705 53706 53711 53713 53714 53715 53716 53717 53718 53719

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Madison, WI is $2,655 per month ($31,860 per year). Without dependents, the rate is $1,995 per month.

How many ZIP codes are in the Madison MHA?

The Madison Military Housing Area (WI316) includes 33 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 Wisconsin BAH rates →

How Madison, WI BAH compares nationally

BAH for Madison, WI runs above the national average: $2,655/mo for an E-5 with dependents versus a $2,289 average across all 299 MHAs (77th overall, 16% above average).

Within the state, this is the highest-rate MHA of 4; the lowest is Stevens Point, WI at $1,338/mo for the same E-5 — a $1,317 monthly spread that matters if you have any say in your assignment.

Across enlisted grades here, having dependents adds an average of $644/mo (30.7%) 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.