What is W-3 BAH at Minneapolis in 2026?

$2,913 per month with dependents ($34,956 per year), effective 01 JAN 2026. without dependents it is $2,667 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

W-3 BAH at Minneapolis 2026 — $2,913/mo with dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Minneapolis/St Paul, MN

W-3 · with dependents

$2,913/ month

$34,956 / year

At W-3, this is #110 of 338 stations loaded · high Westchester County $6,654 · low Anniston $1,689

MHA MN159 · ZIPs 55001 55003 55005 55010 55011 55014 +179 more

Your grade is calledARMYCW3USMCCWO3NAVYCWO3

Untaxed — matching it with taxable pay takes$3,735 / mo gross

Other dependency status here$2,667 without dependents

In government quarters, no dependents$50.10 / mo partial

Minneapolis — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,250	$1,689
E-2	$2,250	$1,689
E-3	$2,250	$1,689
E-4	$2,250	$1,689
E-5	$2,541	$1,905
E-6	$2,781	$2,082
E-7	$2,826	$2,262
E-8	$2,877	$2,595
E-9	$2,985	$2,655
Warrant officer
W-1	$2,796	$2,154
W-2	$2,847	$2,592
W-3	$2,913	$2,667
W-4	$3,015	$2,784
W-5	$3,144	$2,835
Officer — prior enlisted
O-1E	$2,832	$2,538
O-2E	$2,901	$2,640
O-3E	$3,033	$2,769
Officer
O-1	$2,577	$1,953
O-2	$2,778	$2,445
O-3	$2,910	$2,688
O-4	$3,183	$2,820
O-5	$3,384	$2,844
O-6	$3,411	$2,889
O-7	$3,435	$2,937

What this rate means

W-3 with dependents, nearest stations0 – $6,654 / month

Westchester County$6,654

Oxford$2,988

Fairbanks$2,943

Fresno$2,940

Patrick SFB$2,925

Minneapolis$2,913

County Cost Group 840$2,910

Knoxville$2,907

Allentown$2,883

Rome$2,883

Anniston$1,689

Minneapolis is #110 of 338. The spread between the dearest and cheapest station at this grade is $4,965 a month — $59,580 a year, untaxed.

Every pay grade at Minneapolis0 – $3,435 / month

E-1$2,250

E-2$2,250

E-3$2,250

E-4$2,250

E-5$2,541

E-6$2,781

E-7$2,826

E-8$2,877

E-9$2,985

W-1$2,796

W-2$2,847

W-3$2,913

W-4$3,015

W-5$3,144

O-1E$2,832

O-2E$2,901

O-3E$3,033

O-1$2,577

O-2$2,778

O-3$2,910

O-4$3,183

O-5$3,384

O-6$3,411

O-7$3,435

Promoting to W-4 here adds $102 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Minneapolis to Westchester County at W-3 is worth $3,741 a month — about 37 promotions worth of housing allowance, at $102 per grade here.

Dependency status is worth 9% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

None of it is taxed. $2,913 a month of BAH takes more than $2,913 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.

W-3 with dependents at Minneapolis draws $2,913 per month in 2026

What this rate means

Things the rate table doesn't tell you