What is W-2 BAH at Saginaw in 2026?

$1,797 per month with dependents ($21,564 per year), effective 01 JAN 2026. Without dependents it is $1,557 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-2 BAH at Saginaw 2026 — $1,797 with dependents, $1,557 without

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

Saginaw, MI

W-2 · with dependents

$1,797/ month

$21,564 / year

At W-2, this is #317 of 338 stations loaded · high Westchester County $6,036 · low Youngstown $1,560

MHA MI156 · ZIPs 48415 48417 48601 48602 48603 48604 +29 more

Your grade is calledARMYCW2USMCCWO2NAVYCWO2

Untaxed — matching it with taxable pay takes$2,304 / mo gross

Without dependents here$1,557 / mo

In government quarters, no dependents$50.10 / mo partial

Saginaw — full sheetTap a row

Grade	With 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

W-2 with dependents, nearest stations0 – $6,036 / month

Westchester County$6,036

Charleston$1,812

County Cost Group 610$1,809

Lake Charles$1,809

County Cost Group 600$1,803

Saginaw$1,797

County Cost Group 590$1,791

County Cost Group 580$1,779

Erie$1,779

County Cost Group 570$1,764

Youngstown$1,560

Saginaw is #317 of 338. The spread between the dearest and cheapest station at this grade is $4,476 a month — $53,712 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 W-3 here adds $48 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 Saginaw to Westchester County at W-2 is worth $4,239 a month — about 88 promotions worth of housing allowance, at $48 per grade here.

Dependency status is worth 15% 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. $1,797 a month of BAH takes more than $1,797 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-2 at Saginaw draws $1,797 per month with dependents in 2026, $1,557 without

What this rate means

Things the rate table doesn't tell you