Texas BAH
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Texas Basic Allowance for Housing (BAH) Rates for 2026
Understanding BAH in Texas
The Basic Allowance for Housing (BAH) is a critical benefit for military personnel, designed to cover housing expenses when government quarters are unavailable. In 2026, BAH rates have been adjusted to accommodate fluctuating rental markets across Texas cities, ensuring service members receive adequate financial support for their housing needs.
BAH is determined by three key factors:
- Location – Each duty station has its own BAH rate based on rental market surveys.
- Rank/Pay Grade – Higher-ranking service members receive higher allowances.
- Dependent Status – Those with dependents receive a higher BAH rate.
Knowing your BAH rate can help you make informed housing decisions, whether you choose to rent or buy a home.
BAH Rates by City in Texas (2026)
Pick your duty station, pay grade and dependent status to see your 2026 monthly BAH, or scroll down to your city’s full table.
Texas BAH calculator (2026)
Official 2026 rates from the Defense Travel Management Office, effective January 1, 2026. Rate protection may keep your personal rate higher if your area’s rate went down. BAH isn’t taxed, and it counts as income when you qualify for a VA loan.
For illustration only. Results are estimates based on the numbers you enter and general assumptions, and may not reflect your situation. This is not a Loan Estimate, pre-approval, rate quote or commitment to lend. Any rate shown is an example, not a current rate or an offer. Your actual eligibility, loan amount, rate, payment and costs depend on your credit, income, property, appraisal and underwriting, and can change without notice. Not all applicants qualify. CrossCountry Mortgage, LLC NMLS #3029. Equal Housing Opportunity. Full disclaimer.
Austin, TX BAH 2026
Austin’s housing market has grown significantly, leading to increased BAH rates. Below are the updated rates for 2026:
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $2,046 | $1,536 |
| E-5 | $2,241 | $1,731 |
| E-6 | $2,802 | $2,103 |
| E-7 | $3,039 | $2,280 |
| E-8 | $3,294 | $2,472 |
| E-9 | $3,558 | $2,670 |
| W-1 | $2,826 | $2,121 |
| W-2 | $3,141 | $2,355 |
| W-3 | $3,456 | $2,673 |
| W-4 | $3,597 | $2,856 |
| W-5 | $3,771 | $3,096 |
| O-1E | $3,087 | $2,316 |
| O-2E | $3,408 | $2,556 |
| O-3E | $3,624 | $2,796 |
| O-1 | $2,313 | $1,848 |
| O-2 | $2,796 | $2,283 |
| O-3 | $3,447 | $2,676 |
| O-4 | $3,825 | $3,054 |
| O-5 | $4,095 | $3,198 |
| O-6 | $4,131 | $3,435 |
| O-7 | $4,161 | $3,495 |
Official 2026 BAH for the Austin housing area (TX272). Rates took effect January 1, 2026.
Houston, TX BAH 2026
Houston’s cost of living remains competitive, with BAH rates reflecting the city’s affordability.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,974 | $1,524 |
| E-5 | $2,193 | $1,665 |
| E-6 | $2,517 | $1,887 |
| E-7 | $2,583 | $1,980 |
| E-8 | $2,655 | $2,265 |
| E-9 | $2,796 | $2,352 |
| W-1 | $2,535 | $1,905 |
| W-2 | $2,610 | $2,262 |
| W-3 | $2,703 | $2,367 |
| W-4 | $2,829 | $2,526 |
| W-5 | $2,988 | $2,598 |
| O-1E | $2,592 | $2,190 |
| O-2E | $2,688 | $2,331 |
| O-3E | $2,856 | $2,508 |
| O-1 | $2,241 | $1,749 |
| O-2 | $2,514 | $2,124 |
| O-3 | $2,700 | $2,397 |
| O-4 | $3,039 | $2,580 |
| O-5 | $3,288 | $2,616 |
| O-6 | $3,312 | $2,679 |
| O-7 | $3,336 | $2,724 |
Official 2026 BAH for the Houston housing area (TX282). Rates took effect January 1, 2026.
Dallas, TX BAH 2026
Dallas, being a major metropolitan area, has competitive rental markets, leading to steady BAH rates for military personnel.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $2,220 | $1,665 |
| E-5 | $2,469 | $1,851 |
| E-6 | $2,808 | $2,103 |
| E-7 | $2,829 | $2,229 |
| E-8 | $2,838 | $2,541 |
| E-9 | $2,901 | $2,637 |
| W-1 | $2,826 | $2,142 |
| W-2 | $2,835 | $2,538 |
| W-3 | $2,850 | $2,649 |
| W-4 | $2,919 | $2,805 |
| W-5 | $3,018 | $2,823 |
| O-1E | $2,832 | $2,466 |
| O-2E | $2,841 | $2,613 |
| O-3E | $2,934 | $2,799 |
| O-1 | $2,517 | $1,968 |
| O-2 | $2,805 | $2,388 |
| O-3 | $2,847 | $2,682 |
| O-4 | $3,045 | $2,811 |
| O-5 | $3,192 | $2,826 |
| O-6 | $3,216 | $2,829 |
| O-7 | $3,237 | $2,871 |
Official 2026 BAH for the Dallas housing area (TX277). Rates took effect January 1, 2026.
Killeen, TX BAH 2026
Home to Fort Hood, Killeen’s BAH is lower than major metropolitan areas but still sufficient for military housing needs.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,662 | $1,374 |
| E-5 | $1,695 | $1,530 |
| E-6 | $1,920 | $1,626 |
| E-7 | $2,070 | $1,668 |
| E-8 | $2,238 | $1,746 |
| E-9 | $2,409 | $1,806 |
| W-1 | $1,938 | $1,665 |
| W-2 | $2,139 | $1,743 |
| W-3 | $2,346 | $1,812 |
| W-4 | $2,433 | $1,950 |
| W-5 | $2,544 | $2,109 |
| O-1E | $2,100 | $1,692 |
| O-2E | $2,313 | $1,788 |
| O-3E | $2,451 | $1,908 |
| O-1 | $1,731 | $1,623 |
| O-2 | $1,917 | $1,689 |
| O-3 | $2,340 | $1,833 |
| O-4 | $2,577 | $2,076 |
| O-5 | $2,748 | $2,169 |
| O-6 | $2,769 | $2,325 |
| O-7 | $2,787 | $2,361 |
Official 2026 BAH for the Fort Hood housing area (TX286). Rates took effect January 1, 2026.
San Antonio, TX BAH 2026
With multiple military bases, including Lackland AFB and Fort Sam Houston, San Antonio’s BAH rates reflect its military-friendly housing market.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,728 | $1,359 |
| E-5 | $1,869 | $1,500 |
| E-6 | $2,094 | $1,596 |
| E-7 | $2,112 | $1,731 |
| E-8 | $2,121 | $1,920 |
| E-9 | $2,157 | $1,977 |
| W-1 | $2,109 | $1,692 |
| W-2 | $2,118 | $1,917 |
| W-3 | $2,130 | $1,986 |
| W-4 | $2,178 | $2,085 |
| W-5 | $2,280 | $2,097 |
| O-1E | $2,115 | $1,866 |
| O-2E | $2,124 | $1,965 |
| O-3E | $2,196 | $2,082 |
| O-1 | $1,905 | $1,584 |
| O-2 | $2,091 | $1,827 |
| O-3 | $2,127 | $2,007 |
| O-4 | $2,307 | $2,088 |
| O-5 | $2,457 | $2,100 |
| O-6 | $2,475 | $2,103 |
| O-7 | $2,490 | $2,112 |
Official 2026 BAH for the San Antonio housing area (TX285). Rates took effect January 1, 2026.
El Paso (Fort Bliss), TX BAH 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,665 | $1,302 |
| E-5 | $1,809 | $1,437 |
| E-6 | $2,148 | $1,611 |
| E-7 | $2,172 | $1,668 |
| E-8 | $2,187 | $1,881 |
| E-9 | $2,241 | $1,977 |
| W-1 | $2,169 | $1,626 |
| W-2 | $2,178 | $1,878 |
| W-3 | $2,205 | $1,992 |
| W-4 | $2,256 | $2,148 |
| W-5 | $2,334 | $2,169 |
| O-1E | $2,175 | $1,806 |
| O-2E | $2,196 | $1,956 |
| O-3E | $2,268 | $2,142 |
| O-1 | $1,857 | $1,518 |
| O-2 | $2,145 | $1,764 |
| O-3 | $2,202 | $2,022 |
| O-4 | $2,352 | $2,157 |
| O-5 | $2,466 | $2,172 |
| O-6 | $2,484 | $2,178 |
| O-7 | $2,496 | $2,214 |
Official 2026 BAH for the El Paso housing area (TX279). Rates took effect January 1, 2026.
Corpus Christi, TX BAH 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,644 | $1,278 |
| E-5 | $1,788 | $1,413 |
| E-6 | $2,217 | $1,662 |
| E-7 | $2,310 | $1,734 |
| E-8 | $2,412 | $1,878 |
| E-9 | $2,553 | $2,001 |
| W-1 | $2,238 | $1,680 |
| W-2 | $2,352 | $1,875 |
| W-3 | $2,478 | $2,019 |
| W-4 | $2,583 | $2,235 |
| W-5 | $2,718 | $2,331 |
| O-1E | $2,328 | $1,785 |
| O-2E | $2,457 | $1,974 |
| O-3E | $2,604 | $2,211 |
| O-1 | $1,845 | $1,494 |
| O-2 | $2,214 | $1,743 |
| O-3 | $2,475 | $2,061 |
| O-4 | $2,757 | $2,310 |
| O-5 | $2,964 | $2,364 |
| O-6 | $2,988 | $2,454 |
| O-7 | $3,006 | $2,496 |
Official 2026 BAH for the Corpus Christi housing area (TX275). Rates took effect January 1, 2026.
Wichita Falls, TX BAH 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,392 | $1,044 |
| E-5 | $1,491 | $1,182 |
| E-6 | $2,112 | $1,584 |
| E-7 | $2,190 | $1,644 |
| E-8 | $2,271 | $1,704 |
| E-9 | $2,427 | $1,821 |
| W-1 | $2,133 | $1,602 |
| W-2 | $2,223 | $1,668 |
| W-3 | $2,328 | $1,827 |
| W-4 | $2,463 | $2,127 |
| W-5 | $2,634 | $2,208 |
| O-1E | $2,202 | $1,653 |
| O-2E | $2,310 | $1,764 |
| O-3E | $2,490 | $2,106 |
| O-1 | $1,572 | $1,290 |
| O-2 | $2,106 | $1,647 |
| O-3 | $2,325 | $1,887 |
| O-4 | $2,691 | $2,187 |
| O-5 | $2,955 | $2,229 |
| O-6 | $2,979 | $2,304 |
| O-7 | $2,997 | $2,343 |
Official 2026 BAH for the Wichita Falls / Sheppard AFB housing area (TX288). Rates took effect January 1, 2026.
Abilene, TX BAH 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,761 | $1,380 |
| E-5 | $1,872 | $1,545 |
| E-6 | $2,820 | $2,115 |
| E-7 | $2,844 | $2,133 |
| E-8 | $2,853 | $2,145 |
| E-9 | $2,895 | $2,352 |
| W-1 | $2,841 | $2,130 |
| W-2 | $2,850 | $2,142 |
| W-3 | $2,862 | $2,382 |
| W-4 | $2,919 | $2,817 |
| W-5 | $3,030 | $2,826 |
| O-1E | $2,847 | $2,139 |
| O-2E | $2,856 | $2,286 |
| O-3E | $2,937 | $2,814 |
| O-1 | $1,989 | $1,644 |
| O-2 | $2,805 | $2,136 |
| O-3 | $2,859 | $2,475 |
| O-4 | $3,063 | $2,820 |
| O-5 | $3,234 | $2,829 |
| O-6 | $3,258 | $2,832 |
| O-7 | $3,282 | $2,859 |
Official 2026 BAH for the Abilene / Dyess AFB housing area (TX270). DoD temporarily raised this area’s rates from May 16 through December 31, 2026; these are the temporary rates. The lower January 2026 rates return unless DoD extends the increase.
Del Rio (Laughlin AFB), TX BAH 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,371 | $1,110 |
| E-5 | $1,470 | $1,209 |
| E-6 | $1,704 | $1,275 |
| E-7 | $1,854 | $1,392 |
| E-8 | $2,019 | $1,521 |
| E-9 | $2,238 | $1,680 |
| W-1 | $1,722 | $1,350 |
| W-2 | $1,923 | $1,518 |
| W-3 | $2,127 | $1,683 |
| W-4 | $2,280 | $1,734 |
| W-5 | $2,466 | $1,899 |
| O-1E | $1,884 | $1,467 |
| O-2E | $2,097 | $1,572 |
| O-3E | $2,307 | $1,731 |
| O-1 | $1,506 | $1,269 |
| O-2 | $1,701 | $1,440 |
| O-3 | $2,121 | $1,686 |
| O-4 | $2,526 | $1,896 |
| O-5 | $2,820 | $2,115 |
| O-6 | $2,841 | $2,130 |
| O-7 | $2,859 | $2,145 |
Official 2026 BAH for the Laughlin AFB / Del Rio housing area (TX278). Rates took effect January 1, 2026.
Fort Worth, TX BAH 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,938 | $1,494 |
| E-5 | $2,118 | $1,656 |
| E-6 | $2,424 | $1,815 |
| E-7 | $2,445 | $1,941 |
| E-8 | $2,454 | $2,184 |
| E-9 | $2,490 | $2,268 |
| W-1 | $2,442 | $1,884 |
| W-2 | $2,451 | $2,181 |
| W-3 | $2,463 | $2,280 |
| W-4 | $2,511 | $2,418 |
| W-5 | $2,613 | $2,427 |
| O-1E | $2,448 | $2,115 |
| O-2E | $2,457 | $2,250 |
| O-3E | $2,526 | $2,415 |
| O-1 | $2,163 | $1,752 |
| O-2 | $2,421 | $2,061 |
| O-3 | $2,460 | $2,310 |
| O-4 | $2,640 | $2,421 |
| O-5 | $2,793 | $2,430 |
| O-6 | $2,814 | $2,433 |
| O-7 | $2,832 | $2,451 |
Official 2026 BAH for the Fort Worth housing area (TX356). Rates took effect January 1, 2026.
Arlington, TX BAH 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,938 | $1,494 |
| E-5 | $2,118 | $1,656 |
| E-6 | $2,424 | $1,815 |
| E-7 | $2,445 | $1,941 |
| E-8 | $2,454 | $2,184 |
| E-9 | $2,490 | $2,268 |
| W-1 | $2,442 | $1,884 |
| W-2 | $2,451 | $2,181 |
| W-3 | $2,463 | $2,280 |
| W-4 | $2,511 | $2,418 |
| W-5 | $2,613 | $2,427 |
| O-1E | $2,448 | $2,115 |
| O-2E | $2,457 | $2,250 |
| O-3E | $2,526 | $2,415 |
| O-1 | $2,163 | $1,752 |
| O-2 | $2,421 | $2,061 |
| O-3 | $2,460 | $2,310 |
| O-4 | $2,640 | $2,421 |
| O-5 | $2,793 | $2,430 |
| O-6 | $2,814 | $2,433 |
| O-7 | $2,832 | $2,451 |
Official 2026 BAH for the Fort Worth housing area (TX356). Rates took effect January 1, 2026.
Plano, TX BAH 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $2,220 | $1,665 |
| E-5 | $2,469 | $1,851 |
| E-6 | $2,808 | $2,103 |
| E-7 | $2,829 | $2,229 |
| E-8 | $2,838 | $2,541 |
| E-9 | $2,901 | $2,637 |
| W-1 | $2,826 | $2,142 |
| W-2 | $2,835 | $2,538 |
| W-3 | $2,850 | $2,649 |
| W-4 | $2,919 | $2,805 |
| W-5 | $3,018 | $2,823 |
| O-1E | $2,832 | $2,466 |
| O-2E | $2,841 | $2,613 |
| O-3E | $2,934 | $2,799 |
| O-1 | $2,517 | $1,968 |
| O-2 | $2,805 | $2,388 |
| O-3 | $2,847 | $2,682 |
| O-4 | $3,045 | $2,811 |
| O-5 | $3,192 | $2,826 |
| O-6 | $3,216 | $2,829 |
| O-7 | $3,237 | $2,871 |
Official 2026 BAH for the Dallas housing area (TX277). Rates took effect January 1, 2026.
College Station TX, BAH 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,662 | $1,356 |
| E-5 | $1,758 | $1,485 |
| E-6 | $2,391 | $1,794 |
| E-7 | $2,499 | $1,875 |
| E-8 | $2,616 | $1,962 |
| E-9 | $2,820 | $2,115 |
| W-1 | $2,412 | $1,809 |
| W-2 | $2,547 | $1,911 |
| W-3 | $2,688 | $2,118 |
| W-4 | $2,871 | $2,412 |
| W-5 | $3,090 | $2,526 |
| O-1E | $2,517 | $1,887 |
| O-2E | $2,667 | $2,034 |
| O-3E | $2,904 | $2,385 |
| O-1 | $1,836 | $1,563 |
| O-2 | $2,385 | $1,878 |
| O-3 | $2,685 | $2,160 |
| O-4 | $3,165 | $2,499 |
| O-5 | $3,513 | $2,634 |
| O-6 | $3,540 | $2,667 |
| O-7 | $3,567 | $2,712 |
Official 2026 BAH for the College Station housing area (TX274). Rates took effect January 1, 2026.
Waco, TX BAH Rates 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,617 | $1,404 |
| E-5 | $1,755 | $1,440 |
| E-6 | $2,097 | $1,572 |
| E-7 | $2,199 | $1,650 |
| E-8 | $2,310 | $1,830 |
| E-9 | $2,496 | $1,926 |
| W-1 | $2,118 | $1,590 |
| W-2 | $2,244 | $1,827 |
| W-3 | $2,382 | $1,938 |
| W-4 | $2,538 | $2,118 |
| W-5 | $2,730 | $2,223 |
| O-1E | $2,217 | $1,752 |
| O-2E | $2,361 | $1,902 |
| O-3E | $2,568 | $2,091 |
| O-1 | $1,803 | $1,473 |
| O-2 | $2,094 | $1,713 |
| O-3 | $2,379 | $1,971 |
| O-4 | $2,793 | $2,199 |
| O-5 | $3,093 | $2,319 |
| O-6 | $3,117 | $2,361 |
| O-7 | $3,138 | $2,400 |
Official 2026 BAH for the Waco housing area (TX415). Rates took effect January 1, 2026.
Goodfellow AFB (San Angelo MHA), TX BAH Rates 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,455 | $1,092 |
| E-5 | $1,578 | $1,230 |
| E-6 | $1,836 | $1,374 |
| E-7 | $1,965 | $1,473 |
| E-8 | $2,109 | $1,635 |
| E-9 | $2,235 | $1,704 |
| W-1 | $1,854 | $1,425 |
| W-2 | $2,025 | $1,632 |
| W-3 | $2,199 | $1,716 |
| W-4 | $2,247 | $1,860 |
| W-5 | $2,310 | $1,998 |
| O-1E | $1,989 | $1,575 |
| O-2E | $2,172 | $1,689 |
| O-3E | $2,256 | $1,827 |
| O-1 | $1,617 | $1,332 |
| O-2 | $1,833 | $1,542 |
| O-3 | $2,193 | $1,740 |
| O-4 | $2,322 | $1,968 |
| O-5 | $2,415 | $2,046 |
| O-6 | $2,433 | $2,178 |
| O-7 | $2,448 | $2,214 |
Official 2026 BAH for the Goodfellow AFB housing area (TX284). Rates took effect January 1, 2026.
Lackland AFB, TX BAH 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,728 | $1,359 |
| E-5 | $1,869 | $1,500 |
| E-6 | $2,094 | $1,596 |
| E-7 | $2,112 | $1,731 |
| E-8 | $2,121 | $1,920 |
| E-9 | $2,157 | $1,977 |
| W-1 | $2,109 | $1,692 |
| W-2 | $2,118 | $1,917 |
| W-3 | $2,130 | $1,986 |
| W-4 | $2,178 | $2,085 |
| W-5 | $2,280 | $2,097 |
| O-1E | $2,115 | $1,866 |
| O-2E | $2,124 | $1,965 |
| O-3E | $2,196 | $2,082 |
| O-1 | $1,905 | $1,584 |
| O-2 | $2,091 | $1,827 |
| O-3 | $2,127 | $2,007 |
| O-4 | $2,307 | $2,088 |
| O-5 | $2,457 | $2,100 |
| O-6 | $2,475 | $2,103 |
| O-7 | $2,490 | $2,112 |
Official 2026 BAH for the San Antonio housing area (TX285). Rates took effect January 1, 2026.
JBSA-Lackland, TX BAH 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,728 | $1,359 |
| E-5 | $1,869 | $1,500 |
| E-6 | $2,094 | $1,596 |
| E-7 | $2,112 | $1,731 |
| E-8 | $2,121 | $1,920 |
| E-9 | $2,157 | $1,977 |
| W-1 | $2,109 | $1,692 |
| W-2 | $2,118 | $1,917 |
| W-3 | $2,130 | $1,986 |
| W-4 | $2,178 | $2,085 |
| W-5 | $2,280 | $2,097 |
| O-1E | $2,115 | $1,866 |
| O-2E | $2,124 | $1,965 |
| O-3E | $2,196 | $2,082 |
| O-1 | $1,905 | $1,584 |
| O-2 | $2,091 | $1,827 |
| O-3 | $2,127 | $2,007 |
| O-4 | $2,307 | $2,088 |
| O-5 | $2,457 | $2,100 |
| O-6 | $2,475 | $2,103 |
| O-7 | $2,490 | $2,112 |
Official 2026 BAH for the San Antonio housing area (TX285). Rates took effect January 1, 2026.
Fort Sam Houston, TX BAH 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,728 | $1,359 |
| E-5 | $1,869 | $1,500 |
| E-6 | $2,094 | $1,596 |
| E-7 | $2,112 | $1,731 |
| E-8 | $2,121 | $1,920 |
| E-9 | $2,157 | $1,977 |
| W-1 | $2,109 | $1,692 |
| W-2 | $2,118 | $1,917 |
| W-3 | $2,130 | $1,986 |
| W-4 | $2,178 | $2,085 |
| W-5 | $2,280 | $2,097 |
| O-1E | $2,115 | $1,866 |
| O-2E | $2,124 | $1,965 |
| O-3E | $2,196 | $2,082 |
| O-1 | $1,905 | $1,584 |
| O-2 | $2,091 | $1,827 |
| O-3 | $2,127 | $2,007 |
| O-4 | $2,307 | $2,088 |
| O-5 | $2,457 | $2,100 |
| O-6 | $2,475 | $2,103 |
| O-7 | $2,490 | $2,112 |
Official 2026 BAH for the San Antonio housing area (TX285). Rates took effect January 1, 2026.
Fort Hood (Killeen), TX BAH 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,662 | $1,374 |
| E-5 | $1,695 | $1,530 |
| E-6 | $1,920 | $1,626 |
| E-7 | $2,070 | $1,668 |
| E-8 | $2,238 | $1,746 |
| E-9 | $2,409 | $1,806 |
| W-1 | $1,938 | $1,665 |
| W-2 | $2,139 | $1,743 |
| W-3 | $2,346 | $1,812 |
| W-4 | $2,433 | $1,950 |
| W-5 | $2,544 | $2,109 |
| O-1E | $2,100 | $1,692 |
| O-2E | $2,313 | $1,788 |
| O-3E | $2,451 | $1,908 |
| O-1 | $1,731 | $1,623 |
| O-2 | $1,917 | $1,689 |
| O-3 | $2,340 | $1,833 |
| O-4 | $2,577 | $2,076 |
| O-5 | $2,748 | $2,169 |
| O-6 | $2,769 | $2,325 |
| O-7 | $2,787 | $2,361 |
Official 2026 BAH for the Fort Hood housing area (TX286). Rates took effect January 1, 2026.
Dyess AFB, TX BAH 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,761 | $1,380 |
| E-5 | $1,872 | $1,545 |
| E-6 | $2,820 | $2,115 |
| E-7 | $2,844 | $2,133 |
| E-8 | $2,853 | $2,145 |
| E-9 | $2,895 | $2,352 |
| W-1 | $2,841 | $2,130 |
| W-2 | $2,850 | $2,142 |
| W-3 | $2,862 | $2,382 |
| W-4 | $2,919 | $2,817 |
| W-5 | $3,030 | $2,826 |
| O-1E | $2,847 | $2,139 |
| O-2E | $2,856 | $2,286 |
| O-3E | $2,937 | $2,814 |
| O-1 | $1,989 | $1,644 |
| O-2 | $2,805 | $2,136 |
| O-3 | $2,859 | $2,475 |
| O-4 | $3,063 | $2,820 |
| O-5 | $3,234 | $2,829 |
| O-6 | $3,258 | $2,832 |
| O-7 | $3,282 | $2,859 |
Official 2026 BAH for the Abilene / Dyess AFB housing area (TX270). DoD temporarily raised this area’s rates from May 16 through December 31, 2026; these are the temporary rates. The lower January 2026 rates return unless DoD extends the increase.
Sheppard AFB, TX BAH 2026
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,392 | $1,044 |
| E-5 | $1,491 | $1,182 |
| E-6 | $2,112 | $1,584 |
| E-7 | $2,190 | $1,644 |
| E-8 | $2,271 | $1,704 |
| E-9 | $2,427 | $1,821 |
| W-1 | $2,133 | $1,602 |
| W-2 | $2,223 | $1,668 |
| W-3 | $2,328 | $1,827 |
| W-4 | $2,463 | $2,127 |
| W-5 | $2,634 | $2,208 |
| O-1E | $2,202 | $1,653 |
| O-2E | $2,310 | $1,764 |
| O-3E | $2,490 | $2,106 |
| O-1 | $1,572 | $1,290 |
| O-2 | $2,106 | $1,647 |
| O-3 | $2,325 | $1,887 |
| O-4 | $2,691 | $2,187 |
| O-5 | $2,955 | $2,229 |
| O-6 | $2,979 | $2,304 |
| O-7 | $2,997 | $2,343 |
Official 2026 BAH for the Wichita Falls / Sheppard AFB housing area (TX288). Rates took effect January 1, 2026.
Using BAH to Buy or Rent
BAH can be used for:
- Renting – Lease an apartment or house near your duty station.
- Buying a home – A VA loan enables military personnel to purchase homes with zero down payment.
- On-base housing – Available at some locations, depending on availability.
Finding Housing with BAH
Resources for housing in Texas:
- VA Loans Texas – Get a VA loan pre-approval.
- Military Housing Office – Official housing listings for military personnel.
- Zillow – Browse local rental and purchase options.
Maximizing Your BAH in Texas
- Understand Local Housing Costs – Compare rental vs. homeownership costs.
- Consider VA Loans – Use your military benefits for home purchases.
- Check for Military Discounts – Some landlords and realtors offer discounts for active-duty members.
- Budget Accordingly – Ensure BAH covers rent/mortgage and utilities.
- Explore Different Neighborhoods – Look for areas with strong military communities.
Location Matters: How BAH Rates are Determined
BAH rates are determined by surveying the cost of rental properties in each geographic location where military personnel are stationed. This means that BAH rates can vary significantly from one location to another. Generally, high-cost areas will have higher BAH rates, while low-cost areas will have lower rates.
To find the BAH rate for your specific location, you can visit the Defense Travel Management Office website and access the BAH calculator tool. This tool allows you to input your pay grade, location, and dependent status to determine your BAH rate accurately.
Calculate your BAH:
Types of BAH: Catering to Special Situations
In addition to the standard BAH, there are different types of BAH designed to compensate for special situations that service members may encounter. These include:
- BAH with Dependents: Service members with dependents typically receive a higher BAH rate to accommodate the additional housing expenses associated with supporting a family.
- BAH without Dependents: For service members without dependents, the BAH rate may be lower compared to those with dependents.
- Partial BAH: Members without dependents who live in government quarters may receive a small partial BAH payment.
- BAH for Reserve Component: Reserve and Guard members on active duty for more than 30 days receive locality BAH for their duty station; orders of 30 days or less are paid at the BAH-RC/Transit rate.
FAQ: Answers to Common Questions
As service members navigate the intricacies of BAH, they may have questions about eligibility, calculation methods, and other related topics. The Defense Travel Management Office website offers a comprehensive FAQ section addressing these common queries, providing clarity and guidance for service members seeking information about BAH.
Conclusion: Leveraging BAH for Housing Stability
For service members and their families, BAH serves as a crucial lifeline, ensuring access to safe and affordable housing regardless of their duty station. By understanding how BAH works, leveraging online resources like the BAH calculator, and exploring the different types of BAH available, service members can make informed decisions about their housing options and achieve greater stability in their military careers.
As the Department of Defense continues to prioritize the well-being of service members, BAH remains a cornerstone of its commitment to supporting military families and ensuring their housing needs are met. By harnessing the benefits of BAH, service members can focus on their mission with confidence, knowing that their housing needs are taken care of wherever duty calls.
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