The 2022 Basic Allowance for Housing (BAH) rates charts by grade, state and Military Housing Area (MHA) with and without dependents.
See the latest update on the 2022 Basic Allowance for Housing rates.
2022 BAH Calculator
* Enter duty ZIP code, which BAH rates are based on.
** Click here for the Overseas Housing Allowance (OHA) calculator.
About half of U.S. counties (about 1,500) and ZIP codes have little to no military population. While half the ZIP codes is significant, less than 2% of service members eligible for BAH reside in these counties. To account for these service members, there are about 30 County Cost Groups (CCGs) assigned, each with similar housing costs. Use the BAH Calculator to enter your ZIP code and determine your MHA, also known as CCG. The MHAs range from ZZ510 to ZZ890 in increments of 10.
Veterans, dependents, National Guard and reserve service members can use the MHA Calculator to see estimated monthly payments. Active-duty service members should use the BAH Calculator or BAH tables to see estimated payments. Both BAH and MHA benefits are based on the same payment tables, but benefit amounts vary.
Basic Allowance for Housing (BAH) Calculation Factors
BAH Rates are determined by three factors:
- Permanent Duty Station (ZIP code)
- Pay grade (not rank but may be the same)
- Dependency status ( with‐dependents and without‐dependents, not the number of dependents)
BAH compensation is determined by the cost of rental housing in local markets within the US.
BAH Changes Timeline
No changes to BAH are currently planned.
95% of service members’ housing costs are covered.
96% of service members’ housing costs are covered.
97% of service members’ housing costs are covered.
The FY 2016 NDAA authorized a growth slow-down of BAH by 1% per year until service members’ out-of-pocket housing costs 5%. The slow-down was phased in increments of 1% per year over four years, beginning with 98% in 2016.
The FY 2015 NDAA authorized monthly Basic Allowance for Housing (BAH) at 99% (vs. 100%) of the median rental housing costs. 99% of housing costs are covered.
Housing allowance rates increased to eliminate median out-of-pocket housing costs for “off-base” housing. Through public-private ventures, the Department of Defense began working to renovate or eliminate and replace inadequate government housing.
The Defense Department increases housing allowance rates to bring them in line with actual rental market housing costs across the country. Prior to this initiative, allowances only covered about 80% of housing costs. Military members were responsible for up to 20% of their housing costs.