What is E-5 BAH at Yuma in 2026?

$1,695 per month with dependents ($20,340 per year), effective 01 JAN 2026. Without dependents it is $1,338 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 Yuma 2026 — $1,695 with dependents, $1,338 without

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

Yuma, AZ

E-5 · with dependents

$1,695/ month

$20,340 / year

At E-5, this is #243 of 338 stations loaded · high San Francisco $5,127 · low Anniston $1,185

MHA AZ016 · ZIPs 85333 85336 85347 85349 85350 85352 +6 more

Your grade is calledARMYSGTUSMCSgtNAVYPO2USAFSSgt

Untaxed — matching it with taxable pay takes$2,173 / mo gross

Without dependents here$1,338 / mo

In government quarters, no dependents$50.10 / mo partial

Yuma — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,551	$1,239
E-2	$1,551	$1,239
E-3	$1,551	$1,239
E-4	$1,551	$1,239
E-5	$1,695	$1,338
E-6	$1,845	$1,413
E-7	$1,917	$1,554
E-8	$1,998	$1,731
E-9	$2,115	$1,764
Warrant officer
W-1	$1,860	$1,512
W-2	$1,950	$1,728
W-3	$2,052	$1,773
W-4	$2,139	$1,854
W-5	$2,253	$1,935
Officer — prior enlisted
O-1E	$1,929	$1,692
O-2E	$2,034	$1,758
O-3E	$2,157	$1,833
Officer
O-1	$1,722	$1,401
O-2	$1,842	$1,650
O-3	$2,049	$1,785
O-4	$2,283	$1,914
O-5	$2,454	$1,956
O-6	$2,472	$2,031
O-7	$2,487	$2,061

What this rate means

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

San Francisco$5,127

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

Anniston$1,185

Yuma is #243 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 Yuma0 – $2,487 / month

E-1$1,551

E-2$1,551

E-3$1,551

E-4$1,551

E-5$1,695

E-6$1,845

E-7$1,917

E-8$1,998

E-9$2,115

W-1$1,860

W-2$1,950

W-3$2,052

W-4$2,139

W-5$2,253

O-1E$1,929

O-2E$2,034

O-3E$2,157

O-1$1,722

O-2$1,842

O-3$2,049

O-4$2,283

O-5$2,454

O-6$2,472

O-7$2,487

Promoting to E-6 here adds $150 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 Yuma to San Francisco at E-5 is worth $3,432 a month — about 23 promotions worth of housing allowance, at $150 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. $1,695 a month of BAH takes more than $1,695 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 at Yuma draws $1,695 per month with dependents in 2026, $1,338 without

What this rate means

Things the rate table doesn't tell you