Navy BAH calculator: 2026 rates by base
Sailors get the same BAH as every other branch: it's set by your duty station ZIP, your pay grade and whether you have dependents. Pick your rate (Navy titles shown), enter your ZIP or tap a base, and see your 2026 BAH.
Updated September 2026 · Official DoD and VA data
$0 down VA loan, 30-year fixed at a 6.99% example rate, estimated property tax, $200/mo insurance, 2.15% funding fee financed. Not a rate quote or approval. Your base pay counts too, so you may qualify for more, depending on credit, debts and residual income.
Every pay grade at this ZIP
| Pay grade | With dependents | Without |
|---|---|---|
| Enter a ZIP code above. | ||
Source: official 2026 DoD BAH tables (Defense Travel Management Office), effective January 1, 2026, all U.S. ZIP codes. Verify your rate at travel.dod.mil or on your LES.
2026 BAH at Navy installations
With-dependents rates, 2026. Tap any base above to see every pay grade.
| Installation | BAH area | E-5 | E-7 | O-3 |
|---|---|---|---|---|
| Naval Station Norfolk | Norfolk/Portsmouth, VA | $2,430 | $2,604 | $2,694 |
| Naval Base San Diego | San Diego, CA | $3,975 | $4,446 | $4,518 |
| NAS North Island (Coronado) | San Diego, CA | $3,975 | $4,446 | $4,518 |
| NAS Oceana | Norfolk/Portsmouth, VA | $2,430 | $2,604 | $2,694 |
| NAS Jacksonville | Jacksonville, FL | $2,181 | $2,283 | $2,364 |
| Naval Station Mayport | Jacksonville, FL | $2,181 | $2,283 | $2,364 |
| NAS Pensacola | Pensacola, FL | $1,863 | $2,256 | $2,271 |
| Naval Base Kitsap | Bremerton, WA | $2,364 | $2,844 | $3,045 |
| NAS Whidbey Island | Whidbey Island, WA | $2,073 | $2,877 | $3,105 |
| NAS Lemoore | Lemoore Nas, CA | $2,139 | $2,337 | $2,451 |
| Naval Station Great Lakes | Great Lakes Navtracen, IL | $2,427 | $2,853 | $3,018 |
| Joint Base Pearl Harbor-Hickam | Honolulu County, HI | $3,663 | $4,098 | $4,428 |
| Naval Base Ventura County | Ventura, CA | $3,537 | $4,083 | $4,212 |
| Naval Station Everett | Everett, WA | $2,748 | $3,363 | $3,567 |
| NSB Kings Bay | Kings Bay/Brunswick, GA | $2,133 | $2,250 | $2,418 |
| NSB New London (Groton) | New London, CT | $2,580 | $3,159 | $3,306 |
| Naval Academy (Annapolis) | Annapolis, MD | $2,928 | $3,303 | $3,438 |
Sailors assigned to a ship use the homeport ZIP (Norfolk, San Diego, Mayport, Everett, Pearl Harbor and so on) if they draw BAH. Sailors with dependents, and single sailors E-6 and above, generally get BAH for the homeport; single junior sailors on sea duty may not, so check with your command.
What is BAH?
Basic Allowance for Housing is a tax-free monthly allowance for service members who live off base. DoD sets the amount by your duty station ZIP code, your pay grade and whether you have dependents.
Is BAH the same for Marines, Army, Navy, Air Force and Space Force?
Yes. BAH is set by location, pay grade and dependency status, not by branch. A Marine E-5 and an Army E-5 at the same ZIP with the same dependency status get the same BAH. The Coast Guard uses the same rates.
How much did BAH go up in 2026?
DoD raised BAH by an average of 4.2% for 2026, effective January 1, 2026. Individual areas went up or down by different amounts.
When will 2027 BAH rates come out?
DoD usually announces the next year's BAH rates in mid-December, and they take effect January 1. We'll update this calculator when the 2027 rates are released. If your area's rate goes down, rate protection generally lets you keep the higher rate as long as you stay at the same duty station and your grade and dependency status don't drop.
Does BAH count as income for a VA home loan?
Yes. VA lenders count BAH as income, and because it's tax-free some lenders may gross it up (often by 25%) when figuring your debt ratio. Your base pay and BAS count too, so you may qualify for more than BAH alone would cover, depending on credit, debts and residual income.
Where do these BAH numbers come from?
The official 2026 DoD BAH tables from the Defense Travel Management Office, covering every U.S. ZIP code. Always confirm your exact rate at travel.dod.mil or on your LES.
What if I'm stationed overseas or in a U.S. territory?
Overseas and territory assignments (Puerto Rico, Guam and others) get Overseas Housing Allowance (OHA) instead of BAH, so this calculator won't show a rate for those ZIP codes. Give us a call and we'll walk through your numbers.
Put your BAH toward a home
BAH is only part of the picture. Our VA buying power calculator adds your base pay, BAS and VA residual income, and takes about 2 minutes. No credit pull.
More free tools: 2026 BAH calculator · Military pay calculator · 2026 military pay chart · 2026 BAS rates · GI Bill housing allowance · VA buying power calculator
By branch: USMC BAH · Army BAH · Air Force BAH