BAH · MI156
2026 BAH Rates in SAGINAW, MI
All 27 paygrades, with and without dependents. This MHA changed +9.6% over the last 4 years.
E-5 with dependents · 2026
$1,503/mo
$18,036/yr
Without dep: $1,128·Δ +$375/mo
YoY change
+0.4%
vs 2025 for E-5 w/dep
| Paygrade | With dep | No dep | Annual w/dep |
|---|---|---|---|
| E-1 | $1,329 | $1,080 | $15,948 |
| E-2 | $1,329 | $1,080 | $15,948 |
| E-3 | $1,329 | $1,080 | $15,948 |
| E-4 | $1,329 | $1,080 | $15,948 |
| E-5 | $1,503 | $1,128 | $18,036 |
| E-6 | $1,749 | $1,311 | $20,988 |
| E-7 | $1,782 | $1,338 | $21,384 |
| E-8 | $1,818 | $1,560 | $21,816 |
| E-9 | $1,869 | $1,623 | $22,428 |
| W-1 | $1,767 | $1,326 | $21,204 |
| W-2 | $1,797 | $1,557 | $21,564 |
| W-3 | $1,845 | $1,635 | $22,140 |
| W-4 | $1,878 | $1,749 | $22,536 |
| W-5 | $1,929 | $1,788 | $23,148 |
| O-1E | $1,785 | $1,500 | $21,420 |
| O-2E | $1,833 | $1,608 | $21,996 |
| O-3E | $1,887 | $1,740 | $22,644 |
| O-1 | $1,542 | $1,158 | $18,504 |
| O-2 | $1,746 | $1,449 | $20,952 |
| O-3 | $1,842 | $1,656 | $22,104 |
| O-4 | $1,938 | $1,773 | $23,256 |
| O-5 | $2,007 | $1,791 | $24,084 |
| O-6 | $2,022 | $1,821 | $24,264 |
| O-7 | $2,031 | $1,848 | $24,372 |
| O-8 | $2,031 | $1,848 | $24,372 |
| O-9 | $2,031 | $1,848 | $24,372 |
| O-10 | $2,031 | $1,848 | $24,372 |
Note: E-1 to E-4 in single-type-1 barracks generally receive $0 BAH; the rates shown apply when authorized to live off-base or with dependents.
E-5 with dependents · 2023–2026
| Year | Monthly | Annual | YoY |
|---|---|---|---|
| 2023 | $1,371 | $16,452 | - |
| 2024 | $1,410 | $16,920 | +2.8% |
| 2025 | $1,497 | $17,964 | +6.2% |
| 2026 | $1,503 | $18,036 | +0.4% |
Need a specific scenario?
Open the interactive calculator to flip dependents on/off, compare two ZIPs side-by-side, or view full 4-year history charts.