MilitaryCalc
Basic Allowance for Housing · 2025 to 2026

Did my BAH go up in 2026?

The 2026 BAH tables are out, and the answer is not the same everywhere. On average, E-5 with dependents saw +3.9% more for housing, but 43 of 299 Military Housing Areas actually went down. Find your base below and see exactly what moved.

National average · E-5 w/dep
+3.9%
about $84/mo more ($1,005/yr)
253 areas up · 43 down · 3 flat

What changed in 2026, and why

BAH is reset every January from fresh rental-market data. The Defense Department surveys current rent and utilities for six housing profiles in each Military Housing Area, then sets a rate that covers the median cost for your paygrade. When local rents climb, your BAH usually climbs with them the next year. When a market cools or new construction adds supply, the rate can flatten or dip.

That is why a single national headline never tells your story. A pay raise on paper can still feel like a cut if your area was one of the 43 that dropped, and a quiet market can hand you a real raise without any announcement. Rate protection means a drop does not lower the BAH of someone already living at that base, but it does change what a new arrival, a PCS move, or a re-signed lease will pay.

The numbers below are the actual 2025 and 2026 published rates for E-5 with dependents, the most common enlisted household. Use it as your anchor, then open the calculator for your exact paygrade and dependent status.

RegionAvg changeAreasUp / Down
West+2.8%7458 / 16
South+3.3%12399 / 22
Northeast+4.7%4743 / 3
Midwest+6.6%5352 / 1
Other+2.6%21 / 1

Every base, ranked

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Want your exact 2026 number?

This page uses E-5 with dependents as the anchor. Open the calculator for any paygrade, flip dependents on or off, and compare two ZIPs. Thinking about where to PCS next? See which markets pay the most.

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