Updated February 2026

BAH Rates Sparta/Fort McCoy, WI 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Sparta/Fort McCoy military housing area (MHA: WI318), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$1,395

$16,740/year

E-5 without Dependents

$1,290

$15,480/year

O-3 with Dependents

$1,923

$23,076/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,380	$16,560
E-2	$1,380	$16,560
E-3	$1,380	$16,560
E-4	$1,380	$16,560
E-5	$1,395	$16,740
E-6	$1,845	$22,140
E-7	$1,875	$22,500
E-8	$1,905	$22,860
E-9	$1,971	$23,652
Warrant Officer
W-1	$1,866	$22,392
W-2	$1,887	$22,644
W-3	$1,926	$23,112
W-4	$1,989	$23,868
W-5	$2,073	$24,876
Commissioned Officer (Prior Enlisted)
O-1E	$1,878	$22,536
O-2E	$1,917	$23,004
O-3E	$2,001	$24,012
Commissioned Officer
O-1	$1,455	$17,460
O-2	$1,842	$22,104
O-3	$1,923	$23,076
O-4	$2,094	$25,128
O-5	$2,223	$26,676
O-6	$2,238	$26,856
O-7	$2,250	$27,000

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,173	$14,076
E-2	$1,173	$14,076
E-3	$1,173	$14,076
E-4	$1,173	$14,076
E-5	$1,290	$15,480
E-6	$1,383	$16,596
E-7	$1,407	$16,884
E-8	$1,488	$17,856
E-9	$1,620	$19,440
Warrant Officer
W-1	$1,401	$16,812
W-2	$1,485	$17,820
W-3	$1,638	$19,656
W-4	$1,848	$22,176
W-5	$1,881	$22,572
Commissioned Officer (Prior Enlisted)
O-1E	$1,413	$16,956
O-2E	$1,590	$19,080
O-3E	$1,839	$22,068
Commissioned Officer
O-1	$1,362	$16,344
O-2	$1,410	$16,920
O-3	$1,680	$20,160
O-4	$1,866	$22,392
O-5	$1,884	$22,608
O-6	$1,902	$22,824
O-7	$1,932	$23,184

7 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Sparta/Fort McCoy (WI318) Military Housing Area:

54619 54638 54648 54656 54660 54666 54670

Frequently Asked Questions

What is the BAH rate for an E-5 in Sparta/Fort McCoy?

The 2026 BAH rate for an E-5 with dependents in Sparta/Fort McCoy, WI is $1,395 per month ($16,740 per year). Without dependents, the rate is $1,290 per month.

How many ZIP codes are in the Sparta/Fort McCoy MHA?

The Sparta/Fort McCoy Military Housing Area (WI318) includes 7 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.