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2026 Official DoD Rates · Tax-free
BAH RATES
USNA ANNAPOLIS, MD
2026 Basic Allowance for Housing rates for the Annapolis-USNA, MD Military Housing Area. Paid monthly, tax-free, based on rank and dependent status.
$2,475
Monthly
E-5 w/o Deps
$3,438
Monthly
O-3 w/ Deps
100%
Tax-free
Tax Status
2026 BAH Rates -- Annapolis-USNA, MD
Monthly housing allowance -- all ranks, with and without dependents
| Rank | Without Deps | With Deps |
|---|---|---|
| E-1 | $2,280/mo | $2,757/mo |
| E-2 | $2,280/mo | $2,757/mo |
| E-3 | $2,280/mo | $2,757/mo |
| E-4 | $2,280/mo | $2,757/mo |
| E-5 | $2,475/mo | $2,928/mo |
| E-6 | $2,601/mo | $3,228/mo |
| E-7 | $2,763/mo | $3,303/mo |
| E-8 | $2,991/mo | $3,384/mo |
| E-9 | $3,075/mo | $3,546/mo |
| W-1 | $2,709/mo | $3,246/mo |
| W-2 | $2,988/mo | $3,336/mo |
| W-3 | $3,087/mo | $3,441/mo |
| W-4 | $3,237/mo | $3,585/mo |
| W-5 | $3,321/mo | $3,762/mo |
| O-1 | $2,586/mo | $2,970/mo |
| O-1E | $2,925/mo | $3,315/mo |
| O-2 | $2,874/mo | $3,225/mo |
| O-2E | $3,054/mo | $3,423/mo |
| O-3 | $3,114/mo | $3,438/mo |
| O-3E | $3,219/mo | $3,612/mo |
| O-4 | $3,300/mo | $3,822/mo |
| O-5 | $3,342/mo | $4,101/mo |
| O-6 | $3,417/mo | $4,134/mo |
| O-7 | $3,477/mo | $4,164/mo |
Source: DoD BAH rate tables, 2026. Rates are tax-free and paid monthly with base pay.
How BAH works
- BAH is tax-free and paid monthly alongside your base pay
- Rates are set by the Military Housing Area (MHA) -- not your specific ZIP code
- "With dependents" rate applies if you have a spouse, child, or other qualifying dependent
- You keep the difference if you find housing below your BAH rate
- Rates are updated annually on January 1 and guaranteed not to decrease mid-year
Calculate your total military compensation -- base pay + BAH + BAS in one place.
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2026 rates per official DoD BAH tables. Rates are effective January 1, 2026. Source: Defense Travel Management Office (DTMO).