What is BAH (Basic Allowance for Housing)?

Basic Allowance for Housing (BAH) is a U.S. military allowance provided to eligible service members who live off-base (not in government-provided housing). Its purpose is to help offset the cost of housing in the local civilian market near their duty station.

BAH is a significant component of military compensation and is non-taxable, making it a valuable benefit. It is intended to cover average housing costs including rent/mortgage and utilities for a suitable dwelling in the area.

How is BAH Determined?

Calculating BAH is complex and handled officially by the Department of Defense (DoD). The primary factors determining an individual's BAH rate are:

• Geographic Duty Location: BAH rates are based on the specific Military Housing Area (MHA) where the service member is stationed. ZIP codes are typically used to determine the correct MHA. Rates vary drastically between locations to reflect local housing market costs.
• Pay Grade: The service member's rank (e.g., E-5, O-3, W-2) determines the housing standard used for rate calculation. Higher ranks generally receive higher BAH rates.
• Dependency Status: Service members receive BAH "with dependents" or "without dependents". The "with dependents" rate is higher and generally applies if the member has a spouse and/or children they support financially. Specific eligibility rules apply.

The DoD conducts annual surveys of rental housing costs in each MHA to set the rates for the following calendar year. This calculator helps you identify the information needed (ZIP, Grade, Dependents) but **directs you to the official source for the actual rate lookup.**

Frequently Asked Questions (FAQs)

• Why can't this calculator show the exact BAH rate?
  BAH rates are specific to hundreds of locations and numerous pay grades, and they change annually. Maintaining and embedding this vast, up-to-date database directly within a simple web tool is impractical and unreliable. Only the official DoD source has the definitive, current data.
• How accurate is the official DoD BAH Calculator?
  The official calculator uses the current, approved rates based on extensive market surveys. It is the most accurate and authoritative source for determining your BAH entitlement.
• What if my ZIP code covers multiple MHAs?
  This is rare but possible. The official DoD calculator or your unit's finance/personnel office can clarify the correct MHA for your specific duty location or residence if assigned based on that. Usually, the duty station ZIP code is the primary factor.
• Who qualifies for the "With Dependents" rate?
  Generally, if you are legally married or have legal and physical custody of children whom you support financially, you qualify for the "with dependents" rate. Specific regulations define dependents; consult official resources or your personnel office if unsure. Dual military couples have specific rules.
• Is BAH taxable income?
  No, BAH is a non-taxable allowance provided to service members.
• How often do BAH rates change?
  BAH rates are reviewed annually and typically updated effective January 1st of each year.
• What is OHA? How is it different from BAH?
  OHA (Overseas Housing Allowance) is provided to service members stationed outside the United States (OCONUS). BAH is for those stationed within the US (CONUS). OHA calculations and components differ from BAH.
• Is this BAH information tool free?
  Yes, this tool and the information provided are completely free. The linked official DoD calculator is also free to use.