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
    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
    WithWithout

    E-5 with dependents at Saginaw draws $1,503 per month in 2026

    Permalinkbahratedesk.com/saginaw-mi/e-5/with/ExcelCSVDownloads cover this station.
    Saginaw, MI
    E-5 · with dependents
    $1,503/ month
    $18,036 / year
    At E-5, this is #287 of 338 stations loaded · high San Francisco $5,127 · low Anniston $1,185
    MHA MI156 · ZIPs 48415 48417 48601 48602 48603 48604 +29 more
    Your grade is calledARMYSGTUSMCSgtNAVYPO2USAFSSgt
    Untaxed — matching it with taxable pay takes$1,927 / mo gross
    Other dependency status here$1,128 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Saginaw — full sheetTap 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
    PCS compareSaginaw · E-5 · $1,503/mo
    Aberdeen Proving Grounds$2,478/mo · $29,736/yr
    ▲ RAISE+$975+$11,700/yr · like +$15,000 of salary

    What this rate means

    E-5 with dependents, every station0 – $5,127 / month
    San Francisco$5,127
    New York City$5,070
    Boston$4,791
    Northern New Jersey$4,749
    Santa Clara County$4,659
    Westchester County$4,479
    Long Island$4,425
    Nantucket$4,344
    Maui County$4,329
    Hanscom AFB$4,188
    Martha's Vineyard$3,984
    San Diego$3,975
    Florida Keys$3,969
    Camp Pendleton$3,963
    Cape Cod-Plymouth$3,924
    Los Angeles$3,882
    Kauai County$3,798
    Oakland$3,759
    Staten Island$3,735
    Honolulu County$3,663
    Miami$3,660
    Hawaii County$3,594
    Fort Monmouth$3,549
    Ventura$3,537
    Essex CO$3,477
    West Point$3,468
    Monterey$3,465
    Trenton$3,465
    Chicago$3,438
    West Palm Beach$3,423
    Perth Amboy$3,393
    Vallejo$3,369
    Juneau$3,354
    Riverside$3,351
    Vandenberg SFB$3,333
    Portsmouth$3,321
    Marin$3,303
    San Bernardino$3,288
    Portland$3,252
    Indian Head Navordsta$3,249
    Sitka$3,210
    San Luis Obispo$3,198
    Providence$3,195
    Manchester$3,177
    County Cost Group 890$3,156
    Seattle$3,135
    Washington$3,132
    Burlington$3,120
    Fitchburg$3,093
    New Haven$3,069
    Warrenton$3,066
    Beale AFB$2,967
    Santa Fe$2,964
    Quantico$2,955
    Willow Grove$2,934
    Annapolis$2,928
    Worcester$2,919
    Sacramento$2,904
    Fort G. G. Meade$2,901
    Hartford$2,901
    JB Elmendorf-Richardson$2,874
    Ketchikan$2,868
    Kodiak Island$2,865
    County Cost Group 880$2,850
    Newport$2,847
    Denver$2,841
    JB McGuire-Dix-Lakehurst$2,823
    Boulder$2,754
    Cape May$2,754
    Everett$2,748
    Tampa$2,709
    Fort Myers Beach$2,694
    Fort Pierce$2,691
    Philadelphia$2,691
    Fort Detrick$2,682
    Edwards AFB$2,658
    Orlando$2,658
    Atlantic City$2,655
    Madison$2,655
    County Cost Group 870$2,652
    Ballston Spa$2,634
    Baltimore$2,610
    Milwaukee$2,607
    Outer Banks$2,604
    New London$2,580
    Ann Arbor$2,559
    JB Lewis-McChord$2,556
    Stockton$2,553
    Minneapolis$2,541
    Elizabeth City$2,508
    Patrick SFB$2,502
    County Cost Group 860$2,487
    Aberdeen Proving Grounds$2,478
    Dallas$2,469
    Oxford$2,445
    Birmingham$2,439
    Fresno$2,439
    Fairbanks$2,436
    Port Angeles$2,436
    St. Louis$2,436
    Eglin AFB$2,433
    Norfolk$2,430
    Great Lakes Navtracen$2,427
    Savannah$2,415
    County Cost Group 850$2,409
    Patuxent River$2,406
    Beaufort$2,403
    Reno$2,391
    Atlanta$2,388
    Corvallis$2,388
    Hampden County$2,388
    Charleston$2,385
    Portland$2,379
    Allentown$2,373
    Charlottesville$2,373
    Ocala$2,370
    Bremerton$2,364
    Detroit$2,361
    Fort Carson$2,358
    Richmond$2,358
    County Cost Group 840$2,322
    Dahlgren$2,313
    Fort Stewart$2,310
    Phoenix$2,289
    Volusia County$2,286
    Cincinnati$2,283
    Pittsburgh$2,283
    Dover AFB$2,277
    Hampton$2,274
    Fort Collins$2,268
    Nashville$2,268
    County Cost Group 830$2,250
    Austin$2,241
    Asheville$2,214
    Buffalo$2,214
    Rochester$2,214
    Albuquerque$2,211
    Dahlonega$2,208
    Brunswick$2,205
    Coastal Maine$2,193
    Houston$2,193
    Eugene$2,187
    Knoxville$2,184
    Spokane$2,184
    Grand Haven$2,181
    Jacksonville$2,181
    Charlotte$2,169
    Panama City$2,163
    County Cost Group 820$2,160
    Memphis$2,154
    Grand Rapids$2,148
    Lemoore NAS$2,139
    Kings Bay$2,133
    Salt Lake City$2,130
    Eastern Shore$2,121
    Durham$2,118
    Fort Worth$2,118
    Ogden$2,118
    Rome$2,109
    Myrtle Beach$2,097
    Raleigh$2,091
    Bridgeport$2,085
    Omaha$2,085
    Carlisle Barracks$2,076
    Whidbey Island$2,073
    Nellis AFB$2,070
    Traverse City$2,070
    County Cost Group 810$2,064
    Duluth$2,064
    Eastern Panhandle$2,058
    Provo$2,058
    Astoria$2,055
    Syracuse$2,049
    Gainesville$2,040
    Wilmington$2,040
    Toledo$2,031
    Salem$2,004
    Barstow$2,001
    Cleveland$1,998
    Louisville$1,989
    Chattanooga$1,986
    El Centro$1,986
    Kansas City$1,986
    Rapid City$1,986
    Twenty Nine Palms MCB$1,980
    County Cost Group 800$1,962
    Battle Creek$1,959
    Fort Wayne$1,947
    Boise$1,926
    Greenville$1,923
    Yakima$1,923
    Jackson$1,920
    Roanoke$1,911
    Rock Island$1,908
    Bloomington$1,905
    Davis-Monthan AFB$1,905
    New Orleans$1,905
    Bangor$1,893
    County Cost Group 790$1,890
    Fort Gordon$1,890
    Helena$1,887
    Mobile$1,887
    Columbia$1,878
    Baton Rouge$1,875
    Columbus$1,875
    Indianapolis$1,875
    Lexington$1,875
    Abilene$1,872
    San Antonio (JBSA)$1,869
    Pensacola$1,863
    Morehead$1,851
    Little Rock$1,848
    Shreveport$1,845
    Humboldt County$1,827
    Tallahassee$1,824
    Marquette$1,821
    County Cost Group 780$1,815
    Fort Campbell$1,815
    Fort Leavenworth$1,815
    Fort Bliss$1,809
    Greensboro$1,809
    Fort Bragg$1,806
    Lansing$1,806
    Robins AFB$1,800
    Huntsville$1,797
    State College$1,791
    Corpus Christi$1,788
    Lincoln$1,788
    Fayetteville$1,782
    Coos Bay$1,779
    Des Moines$1,770
    College Station$1,758
    Waco$1,755
    County Cost Group 770$1,752
    Wilkes-Barre$1,740
    Grand Forks$1,731
    Fort Huachuca$1,719
    Fort Benning$1,716
    Auburn$1,707
    Fargo$1,707
    White Sands MR$1,701
    Fort Hood$1,695
    Yuma$1,695
    County Cost Group 760$1,686
    Montgomery$1,683
    Fort Drum$1,665
    Cheyenne$1,653
    Wright-Patterson AFB$1,650
    Fort Knox$1,647
    Oklahoma City$1,644
    Morgantown$1,641
    County Cost Group 750$1,638
    Tulsa$1,638
    Topeka$1,626
    St Mary And Terrebonne$1,620
    Whiteman AFB$1,611
    Malmstrom SFB$1,608
    Mountain Home AFB$1,605
    Gulfport$1,602
    Bismarck$1,596
    Fallon NAS$1,596
    County Cost Group 740$1,590
    Holloman AFB$1,590
    Camp Lejeune$1,584
    Lafayette$1,584
    Akron$1,581
    Goodfellow AFB$1,578
    Fort Rucker$1,572
    Peoria$1,572
    China Lake$1,563
    County Cost Group 730$1,557
    Sioux Falls$1,554
    Johnson City$1,548
    Minot AFB$1,548
    Scott AFB$1,542
    Champaign$1,539
    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
    County Cost Group 670$1,461
    County Cost Group 660$1,449
    County Cost Group 650$1,443
    County Cost Group 640$1,434
    County Cost Group 630$1,425
    County Cost Group 620$1,419
    County Cost Group 610$1,410
    Frankfort$1,410
    Charleston$1,404
    County Cost Group 600$1,404
    Columbus AFB$1,398
    Hattiesburg$1,395
    Sparta$1,395
    County Cost Group 590$1,392
    Springfield$1,389
    County Cost Group 580$1,380
    Columbia$1,377
    Wichita$1,377
    Albany$1,371
    County Cost Group 570$1,371
    Cannon AFB$1,365
    Paducah$1,365
    County Cost Group 560$1,362
    Lake Charles$1,356
    County Cost Group 550$1,353
    County Cost Group 540$1,344
    County Cost Group 530$1,338
    Stevens Point$1,338
    County Cost Group 520$1,332
    County Cost Group 510$1,329
    Fort Riley$1,314
    Alexandria$1,290
    Meridian$1,290
    Fort Chaffee$1,263
    Altus AFB$1,254
    Fort Sill$1,233
    Fort Polk$1,218
    Vance AFB$1,200
    Monroe$1,194
    Youngstown$1,191
    Anniston$1,185

    Saginaw is #287 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

    Promoting to E-6 here adds $246 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Saginaw to San Francisco at E-5 is worth $3,624 a month — about 15 promotions worth of housing allowance, at $246 per grade here.

    02

    Dependency status is worth 33% 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.

    03

    None of it is taxed. $1,503 a month of BAH takes more than $1,503 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    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.