BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

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

Duty station or MHA

Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.

Or type your rank

Press Enter to look it up.

Enlisted
E-1E-2E-3E-4E-5E-6E-7E-8E-9
Warrant
W-1W-2W-3W-4W-5
Prior enl.
O-1EO-2EO-3E
Officer
O-1O-2O-3O-4O-5O-6O-7
Dependents
With $1,503 Without $1,128

E-5 at Saginaw draws $1,503 per month with dependents in 2026, $1,128 without

Permalink bahratedesk.com/saginaw-mi/ Excel CSV
Saginaw, MI
E-5 · with dependents
$1,503/ month
$18,036 / year
At E-5, this is #286 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA MI156 · ZIPs 48415 48417 48601 48602 48603 48604 +29 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $1,927 / mo gross
Without dependents here $1,128 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Saginaw · E-5 · $1,503/mo
Saginaw $1,503/mo · $18,036/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Saginaw — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,329 $1,080
E-2 $1,329 $1,080
E-3 $1,329 $1,080
E-4 $1,329 $1,080
E-5 $1,503 $1,128
E-6 $1,749 $1,311
E-7 $1,782 $1,338
E-8 $1,818 $1,560
E-9 $1,869 $1,623
Warrant officer
W-1 $1,767 $1,326
W-2 $1,797 $1,557
W-3 $1,845 $1,635
W-4 $1,878 $1,749
W-5 $1,929 $1,788
Officer — prior enlisted
O-1E $1,785 $1,500
O-2E $1,833 $1,608
O-3E $1,887 $1,740
Officer
O-1 $1,542 $1,158
O-2 $1,746 $1,449
O-3 $1,842 $1,656
O-4 $1,938 $1,773
O-5 $2,007 $1,791
O-6 $2,022 $1,821
O-7 $2,031 $1,848

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
County Cost Group 720 $1,536
Lexington $1,536
Sault Ste Marie $1,536
Huntington $1,533
Springfield $1,527
Moody AFB $1,524
Seymour Johnson AFB $1,521
Beaumont $1,518
County Cost Group 710 $1,515
Brownsville $1,503
Saginaw $1,503
Sumter $1,503
County Cost Group 700 $1,497
Terre Haute $1,494
Wichita Fls $1,491
County Cost Group 690 $1,482
Fort Leonard Wood $1,479
Lubbock $1,476
County Cost Group 680 $1,470
Laughlin AFB $1,470
Erie $1,464
Anniston $1,185

Saginaw is #286 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Saginaw0 – $2,031 / month
E-1 $1,329
E-2 $1,329
E-3 $1,329
E-4 $1,329
E-5 $1,503
E-6 $1,749
E-7 $1,782
E-8 $1,818
E-9 $1,869
W-1 $1,767
W-2 $1,797
W-3 $1,845
W-4 $1,878
W-5 $1,929
O-1E $1,785
O-2E $1,833
O-3E $1,887
O-1 $1,542
O-2 $1,746
O-3 $1,842
O-4 $1,938
O-5 $2,007
O-6 $2,022
O-7 $2,031

The pay chart moves this allowance far less than the map does.

Moving from Saginaw to San Francisco at E-5 is worth $3,624 a month — about 15 promotions at this grade. Where you are stationed outweighs rank, by a lot.

Things the rate table doesn't tell you

01

“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.

02

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.

03

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.