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

    W-3 with dependents at Saginaw draws $1,845 per month in 2026

    Permalinkbahratedesk.com/saginaw-mi/w-3/with/ExcelCSVDownloads cover this station.
    Saginaw, MI
    W-3 · with dependents
    $1,845/ month
    $22,140 / year
    At W-3, this is #326 of 338 stations loaded · high Westchester County $6,654 · low Anniston $1,689
    MHA MI156 · ZIPs 48415 48417 48601 48602 48603 48604 +29 more
    Your grade is calledARMYCW3USMCCWO3NAVYCWO3
    Untaxed — matching it with taxable pay takes$2,365 / mo gross
    Other dependency status here$1,635 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 · W-3 · $1,845/mo
    Aberdeen Proving Grounds$3,075/mo · $36,900/yr
    ▲ RAISE+$1,230+$14,760/yr · like +$18,923 of salary

    What this rate means

    W-3 with dependents, nearest stations0 – $6,654 / month
    Westchester County$6,654
    Hattiesburg$1,869
    Charleston$1,863
    County Cost Group 570$1,860
    County Cost Group 560$1,851
    Saginaw$1,845
    County Cost Group 550$1,839
    Altus AFB$1,836
    County Cost Group 540$1,830
    County Cost Group 530$1,824
    Anniston$1,689

    Saginaw is #326 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 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-4 here adds $33 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 Westchester County at W-3 is worth $4,809 a month — about 146 promotions worth of housing allowance, at $33 per grade here.

    02

    Dependency status is worth 13% 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. $1,845 a month of BAH takes more than $1,845 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.