What is W-4 BAH at Minneapolis in 2026?

$2,784 per month without dependents ($33,408 per year), effective 01 JAN 2026. with dependents it is $3,015 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-4 BAH at Minneapolis 2026 — $2,784/mo without 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-4 · without dependents

$2,784/ month

$33,408 / year

At W-4, this is #103 of 338 stations loaded · high Westchester County $5,478 · low Youngstown $1,362

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

Your grade is calledARMYCW4USMCCWO4NAVYCWO4

Untaxed — matching it with taxable pay takes$3,569 / mo gross

Other dependency status here$3,015 with 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-4 without dependents, nearest stations0 – $5,478 / month

Westchester County$5,478

Traverse City$2,820

Abilene$2,817

Beaufort$2,808

Dallas$2,805

Minneapolis$2,784

Great Lakes Navtracen$2,778

Portland$2,772

Whidbey Island$2,772

Aberdeen Proving Grounds$2,766

Youngstown$1,362

Minneapolis is #103 of 338. The spread between the dearest and cheapest station at this grade is $4,116 a month — $49,392 a year, untaxed.

Every pay grade at Minneapolis0 – $2,937 / month

E-1$1,689

E-2$1,689

E-3$1,689

E-4$1,689

E-5$1,905

E-6$2,082

E-7$2,262

E-8$2,595

E-9$2,655

W-1$2,154

W-2$2,592

W-3$2,667

W-4$2,784

W-5$2,835

O-1E$2,538

O-2E$2,640

O-3E$2,769

O-1$1,953

O-2$2,445

O-3$2,688

O-4$2,820

O-5$2,844

O-6$2,889

O-7$2,937

Promoting to W-5 here adds $51 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-4 is worth $2,694 a month — about 53 promotions worth of housing allowance, at $51 per grade here.

Dependency status is worth 8% 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. $2,784 a month of BAH takes more than $2,784 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-4 without dependents at Minneapolis draws $2,784 per month in 2026

What this rate means

Things the rate table doesn't tell you