4 MILITARY HOUSING AREAS IN TEXAS -- 2026 RATES
2026 BAH Rates in Texas -- Every Military Installation
Texas hosts some of the largest military installations in the U.S., including Fort Cavazos (formerly Fort Hood), Fort Bliss, and Joint Base San Antonio. BAH rates vary significantly across the state.
4
MHAs
Installations
$1,869
San Antonio-JBSA
Highest E-5 w/ Deps
$1,695
Killeen-Fort Cavazos
Lowest E-5 w/ Deps
100%
Tax-free
Tax Status
BAH Rates by Installation -- Texas
Monthly rates with dependents. Sorted by E-5 rate (highest first).
| Installation | E-5 w/ Deps | E-7 w/ Deps | O-3 w/ Deps |
|---|---|---|---|
| San Antonio-JBSA, TX | $1,869 | $2,112 | $2,127 |
| Lackland AFB-San Antonio, TX | $1,869 | $2,112 | $2,127 |
| El Paso-Fort Bliss, TX | $1,809 | $2,172 | $2,202 |
| Killeen-Fort Cavazos, TX | $1,695 | $2,070 | $2,340 |
Source: DoD BAH rate tables, effective January 1, 2026. All rates shown with dependents.
Top Installations in Texas
San Antonio-JBSA, TXTax-free
E-5 w/ Deps
$1,869
E-7 w/ Deps
$2,112
O-3 w/ Deps
$2,127
Lackland AFB-San Antonio, TXTax-free
E-5 w/ Deps
$1,869
E-7 w/ Deps
$2,112
O-3 w/ Deps
$2,127
El Paso-Fort Bliss, TXTax-free
E-5 w/ Deps
$1,809
E-7 w/ Deps
$2,172
O-3 w/ Deps
$2,202
Killeen-Fort Cavazos, TXTax-free
E-5 w/ Deps
$1,695
E-7 w/ Deps
$2,070
O-3 w/ Deps
$2,340
How BAH Works in Texas
- BAH is tax-free and paid monthly alongside your base pay
- Rates are set by 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
- Texas has 4 distinct MHAs, each with unique rates based on local housing costs
Calculate your total military compensation -- base pay + BAH + BAS in one place.
Browse BAH Rates by State
2026 rates per official DoD BAH tables, effective January 1, 2026. Always verify your specific rate with the official DoD BAH calculator. Source: Defense Travel Management Office (DTMO).