What is E-5 BAH at Sioux Falls in 2026?

$1,554 per month with dependents ($18,648 per year), effective 01 JAN 2026. without dependents it is $1,224 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.

E-5 BAH at Sioux Falls 2026 — $1,554/mo with dependents

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

Sioux Falls, SD

E-5 · with dependents

$1,554/ month

$18,648 / year

At E-5, this is #272 of 338 stations loaded · high San Francisco $5,127 · low Anniston $1,185

MHA SD265 · ZIPs 57003 57005 57013 57018 57020 57022 +27 more

Your grade is calledARMYSGTUSMCSgtNAVYPO2USAFSSgt

Untaxed — matching it with taxable pay takes$1,992 / mo gross

Other dependency status here$1,224 without dependents

In government quarters, no dependents$50.10 / mo partial

Sioux Falls — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,428	$1,107
E-2	$1,428	$1,107
E-3	$1,428	$1,107
E-4	$1,428	$1,107
E-5	$1,554	$1,224
E-6	$2,025	$1,518
E-7	$2,055	$1,542
E-8	$2,085	$1,653
E-9	$2,169	$1,791
Warrant officer
W-1	$2,046	$1,536
W-2	$2,067	$1,650
W-3	$2,109	$1,809
W-4	$2,193	$2,028
W-5	$2,307	$2,061
Officer — prior enlisted
O-1E	$2,058	$1,551
O-2E	$2,100	$1,758
O-3E	$2,211	$2,019
Officer
O-1	$1,617	$1,296
O-2	$2,022	$1,545
O-3	$2,106	$1,854
O-4	$2,340	$2,046
O-5	$2,511	$2,064
O-6	$2,529	$2,085
O-7	$2,544	$2,118

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month

San Francisco$5,127

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

Anniston$1,185

Sioux Falls is #272 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 Sioux Falls0 – $2,544 / month

E-1$1,428

E-2$1,428

E-3$1,428

E-4$1,428

E-5$1,554

E-6$2,025

E-7$2,055

E-8$2,085

E-9$2,169

W-1$2,046

W-2$2,067

W-3$2,109

W-4$2,193

W-5$2,307

O-1E$2,058

O-2E$2,100

O-3E$2,211

O-1$1,617

O-2$2,022

O-3$2,106

O-4$2,340

O-5$2,511

O-6$2,529

O-7$2,544

Promoting to E-6 here adds $471 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 Sioux Falls to San Francisco at E-5 is worth $3,573 a month — about 8 promotions worth of housing allowance, at $471 per grade here.

Dependency status is worth 27% 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. $1,554 a month of BAH takes more than $1,554 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.

E-5 with dependents at Sioux Falls draws $1,554 per month in 2026

What this rate means

Things the rate table doesn't tell you