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BAH, OHA, and GI Bill Housing Allowance Rate Calculators 2024

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BAH

Joe Wallace

BAH, OHA, and Post-9/11 GI Bill® MHA Calculators

With our BAH calculator, you can find your housing allowance using the zip code or city and state combination.  With our OHA calculator, you can find your housing allowance overseas by using the country and city you’re searching for.  We offer OHA information for the following countries and territories: Germany, Japan, South Korea, Italy, the United Kingdom, and Guam.  For the GI Bill MHA, you can use the calculator to look up the housing allowance by school.

Housing Allowance Calculators 2024

The Department of Defense offers servicemembers a housing allowance (BAH or Basic Allowance for Housing) to offset the cost of renting a home or a monthly mortgage payment. The military housing allowance is not intended to fully cover all costs of renting or owning a home, but the offset is significant.  The VA, similarly, through the Post-9/11 GI Bill, offers a monthly housing allowance for those attending school.  What do you need to know about these housing allowances? We’ll explore the most important details below and offer a way for you to calculate all 3!

This features 3 housing allowance calculators:

  • BAH Calculator – You can search by zip code or state/city combinations.
  • OHA Calculator – Find housing allowances for Germany, Japan, South Korea, Guam, Italy, and the United Kingdom.
  • GI Bill MHA Calculator – Find housing allowances for Post-9/11 GI Bill by college or university. The online GI Bill Monthly Housing Allowance is $1,177.50 for the 2024-2025 school year and is not listed in the search tool below.

 


 

Post-9/11 GI Bill Housing Allowances by City

City and State2024/25 BAH Rate
KETCHIKAN, AK2316
SITKA, AK2559
JUNEAU, AK2697
KODIAK ISLAND, AK2412
ANCHORAGE, AK2448
FAIRBANKS, AK2256
ANNISTON/FORT MCCLELLAN, AL1077
FORT NOVOSEL, AL1443
HUNTSVILLE, AL1800
MOBILE, AL1884
MONTGOMERY, AL1416
AUBURN, AL1593
BIRMINGHAM, AL1815
LITTLE ROCK, AR1644
FORT CHAFFEE/FORT SMITH, AR1164
FAYETTEVILLE, AR1602
PHOENIX, AZ2337
FORT HUACHUCA, AZ1617
DAVIS-MONTHAN AFB, AZ1863
YUMA, AZ1593
OAKLAND, CA3627
SAN FRANCISCO, CA4449
CHINA LAKE, CA1362
FRESNO, CA2397
LEMOORE NAS, CA2046
CAMP PENDLETON, CA3828
VENTURA, CA3315
VANDENBERG SFB, CA3120
MARIN/SONOMA, CA3210
BARSTOW/FORT IRWIN, CA1956
SAN BERNARDINO, CA3156
TWENTY NINE PALMS MCB, CA2187
BEALE AFB, CA2736
SACRAMENTO, CA2760
STOCKTON, CA2175
VALLEJO/TRAVIS AFB, CA3237
LOS ANGELES, CA3636
SAN DIEGO, CA3882
MONTEREY, CA3318
RIVERSIDE, CA3099
HUMBOLDT COUNTY, CA1557
SANTA CLARA COUNTY, CA4449
SAN LUIS OBISPO, CA2859
BRIDGEPORT, CA1896
EL CENTRO, CA1842
EDWARDS AFB/PALMDALE, CA2475
DENVER, CO2754
COLORADO SPRINGS, CO2274
FORT COLLINS, CO2112
BOULDER, CO2784
NEW LONDON, CT2181
HARTFORD, CT2451
NEW HAVEN/FAIRFIELD, CT2694
WASHINGTON, DC METRO AREA2880
DOVER AFB/REHOBOTH, DE2256
EGLIN AFB, FL2271
GAINESVILLE, FL1923
JACKSONVILLE, FL2196
PATRICK SFB, FL2525
MIAMI/FORT LAUDERDALE, FL3420
ORLANDO, FL2637
PANAMA CITY, FL2040
PENSACOLA, FL1731
TALLAHASSEE, FL1632
TAMPA, FL2628
WEST PALM BEACH, FL3216
OCALA, FL1983
FLORIDA KEYS, FL3834
VOLUSIA COUNTY, FL2220
FORT PIERCE, FL2529
FORT MYERS BEACH, FL2616
ATLANTA, GA2316
ALBANY, GA1212
FORT EISENHOWER, GA1716
KINGS BAY/BRUNSWICK, GA2064
FORT MOORE, GA1527
ROBINS AFB, GA1692
SAVANNAH, GA2187
DAHLONEGA, GA2043
FORT STEWART, GA2019
MOODY AFB, GA1377
MAUI COUNTY, HI3714
HONOLULU COUNTY, HI3321
HAWAII COUNTY, HI2868
KAUAI COUNTY, HI3204
DES MOINES, IA1539
BOISE, ID1926
MOUNTAIN HOME AFB, ID1776
CHAMPAIGN/URBANA, IL1278
ROCK ISLAND, IL1461
PEORIA, IL1278
GREAT LAKES NAVTRACEN, IL2199
SCOTT AFB, IL1386
CHICAGO, IL2808
SPRINGFIELD/DECATUR, IL1440
INDIANAPOLIS, IN1764
FORT WAYNE, IN1719
TERRE HAUTE, IN1209
BLOOMINGTON, IN1752
FORT RILEY, KS1236
WICHITA/MCCONNELL AFB, KS1185
FORT LEAVENWORTH, KS1641
TOPEKA, KS1437
FORT CAMPBELL, KY1710
LEXINGTON, KY1629
LOUISVILLE, KY1848
FORT KNOX, KY1356
FRANKFORT, KY1206
PADUCAH, KY1203
ALEXANDRIA, LA1122
BATON ROUGE, LA1713
FORT JOHNSON, LA1080
NEW ORLEANS, LA1656
SHREVEPORT/BARKSDALE AFB, LA1527
LAFAYETTE, LA1620
ST MARY AND TERREBONNE, LA1479
LAKE CHARLES, LA1290
MONROE, LA1089
NANTUCKET, MA3555
BOSTON, MA4638
WORCESTER, MA2754
FITCHBURG, MA2943
CAPE COD-PLYMOUTH, MA3186
ESSEX CO, MA3282
HAMPDEN COUNTY, MA2166
MARTHA'S VINEYARD, MA3492
HANSCOM AFB, MA3858
ABERDEEN PROVING GROUNDS, MD2157
ANNAPOLIS, MD2742
BALTIMORE, MD2451
FORT DETRICK, MD2307
FORT G. G. MEADE, MD2640
INDIAN HEAD NAVORDSTA, MD3081
PATUXENT RIVER, MD2289
EASTERN SHORE, MD1857
OXFORD, MD2112
BRUNSWICK, ME2082
PORTLAND, ME2997
COASTAL MAINE, ME2235
BANGOR, ME1698
DETROIT, MI2196
MARQUETTE, MI1734
SAULT STE MARIE, MI1329
TRAVERSE CITY, MI1590
GRAND HAVEN, MI1875
BATTLE CREEK/KALAMAZOO, MI1704
LANSING, MI1581
GRAND RAPIDS, MI1908
ANN ARBOR, MI2241
SAGINAW, MI1410
DULUTH, MN1707
MINNEAPOLIS/ST PAUL, MN2283
KANSAS CITY, MO1836
ST. LOUIS, MO2106
WHITEMAN AFB, MO1413
FORT LEONARD WOOD, MO1146
SPRINGFIELD, MO1281
COLUMBIA/JEFFERSON CITY, MO1188
GULFPORT, MS1410
COLUMBUS AFB, MS1221
JACKSON, MS1590
MERIDIAN, MS1167
HATTIESBURG, MS1317
MALMSTROM SFB/GREAT FALLS, MT1365
HELENA, MT1731
OUTER BANKS, NC2088
MOREHEAD/CHERRY PT MCAS, NC1671
CAMP LEJEUNE, NC1437
CHARLOTTE, NC2160
DURHAM/CHAPEL HILL, NC1977
ELIZABETH CITY, NC2178
FORT LIBERTY/POPE, NC1716
SEYMOUR JOHNSON AFB, NC1368
GREENSBORO, NC1671
RALEIGH, NC2118
WILMINGTON, NC1977
ASHEVILLE, NC2160
BISMARCK, ND1512
FARGO, ND1287
GRAND FORKS, ND1542
MINOT AFB, ND1389
OMAHA/OFFUTT AFB, NE1740
LINCOLN, NE1602
PORTSMOUTH, NH/KITTERY, ME2907
MANCHESTER/CONCORD, NH2808
ATLANTIC CITY, NJ2376
CAPE MAY, NJ2262
FORT MONMOUTH/EARLE NWS, NJ3249
PERTH AMBOY, NJ2856
NORTHERN NEW JERSEY, NJ4032
TRENTON, NJ3108
JB MCGUIRE-DIX-LAKEHURST, NJ2637
HOLLOMAN AFB/ALAMOGORDO, NM1389
ALBUQUERQUE/KIRTLAND AFB, NM2106
CANNON AFB/CLOVIS, NM1278
WHITE SANDS MR/LAS CRUCES, NM1515
SANTA FE/LOS ALAMOS, NM2634
FALLON NAS, NV1446
NELLIS AFB/LAS VEGAS, NV2019
RENO/CARSON CITY, NV2346
BALLSTON SPA/ALBANY, NY2394
BUFFALO, NY2136
WEST POINT, NY2736
LONG ISLAND, NY4185
NEW YORK CITY, NY4407
ROCHESTER, NY1944
ROME/GRIFFISS AFB, NY1998
SYRACUSE, NY1737
FORT DRUM/WATERTOWN, NY1509
WESTCHESTER COUNTY, NY3801
STATEN ISLAND, NY3315
AKRON, OH1377
CINCINNATI, OH2193
CLEVELAND, OH1782
COLUMBUS, OH1734
WRIGHT-PATTERSON AFB, OH1455
TOLEDO, OH1881
YOUNGSTOWN, OH1110
ALTUS AFB, OK1101
VANCE AFB/ENID, OK1053
FORT SILL/LAWTON, OK1149
OKLAHOMA CITY, OK1524
TULSA, OK1461
ASTORIA, OR1797
COOS BAY, OR1848
PORTLAND, OR2373
SALEM, OR1929
CORVALLIS, OR2241
EUGENE, OR1944
CARLISLE BARRACKS, PA1941
PHILADELPHIA, PA/CAMDEN, NJ2421
WILLOW GROVE, PA2769
PITTSBURGH, PA2133
STATE COLLEGE, PA1518
ERIE, PA1335
WILKES-BARRE/SCRANTON, PA1710
ALLENTOWN/BETHLEHEM, PA2055
NEWPORT, RI2454
PROVIDENCE, RI2790
BEAUFORT/PARRIS ISLAND, SC2367
CHARLESTON, SC2364
COLUMBIA/FORT JACKSON, SC1851
GREENVILLE, SC1797
MYRTLE BEACH, SC2127
SUMTER/SHAW AFB, SC1395
RAPID CITY/ELLSWORTH AFB, SD1923
SIOUX FALLS, SD1461
CHATTANOOGA, TN1848
KNOXVILLE, TN1893
MEMPHIS, TN2091
NASHVILLE, TN2217
JOHNSON CITY/KINGSPORT, TN1413
ABILENE/DYESS AFB, TX1428
AUSTIN, TX2397
BEAUMONT, TX1482
COLLEGE STATION, TX1434
CORPUS CHRISTI, TX1698
DALLAS, TX2469
LAUGHLIN AFB/DEL RIO, TX1302
EL PASO, TX1620
BROWNSVILLE, TX1671
HOUSTON, TX2085
LUBBOCK, TX1536
GOODFELLOW AFB, TX1434
SAN ANTONIO, TX1956
FORT CAVAZOS, TX1401
WICHITA FLS/SHEPPARD AFB, TX1359
FORT WORTH, TX2124
WACO, TX1611
OGDEN/HILL AFB, UT2016
SALT LAKE CITY, UT2052
PROVO, UT2025
CHARLOTTESVILLE, VA1980
QUANTICO/WOODBRIDGE, VA2880
HAMPTON/NEWPORT NEWS, VA2043
NORFOLK/PORTSMOUTH, VA2268
RICHMOND/FORT GREGG-ADAMS, VA2094
WARRENTON, VA2739
LEXINGTON, VA1398
ROANOKE, VA1824
DAHLGREN/FORT WALKER, VA2115
BURLINGTON, VT2922
BREMERTON, WA2211
EVERETT, WA2559
PORT ANGELES, WA2232
SEATTLE, WA2943
SPOKANE, WA2109
TACOMA, WA2430
WHIDBEY ISLAND, WA1896
YAKIMA, WA1629
MADISON, WI2109
MILWAUKEE, WI2172
SPARTA/FORT MCCOY, WI1218
STEVENS POINT, WI1227
MORGANTOWN, WV1581
HUNTINGTON, WV1413
CHARLESTON, WV1134
EASTERN PANHANDLE, WV1917
CHEYENNE, WY1551
COUNTY COST GROUP 5101266
COUNTY COST GROUP 5201272
COUNTY COST GROUP 5301281
COUNTY COST GROUP 5401287
COUNTY COST GROUP 5501293
COUNTY COST GROUP 5601302
COUNTY COST GROUP 5701308
COUNTY COST GROUP 5801317
COUNTY COST GROUP 5901329
COUNTY COST GROUP 6001341
COUNTY COST GROUP 6101353
COUNTY COST GROUP 6201365
COUNTY COST GROUP 6301380
COUNTY COST GROUP 6401392
COUNTY COST GROUP 6501401
COUNTY COST GROUP 6601410
COUNTY COST GROUP 6701422
COUNTY COST GROUP 6801431
COUNTY COST GROUP 6901446
COUNTY COST GROUP 7001458
COUNTY COST GROUP 7101470
COUNTY COST GROUP 7201488
COUNTY COST GROUP 7301515
COUNTY COST GROUP 7401536
COUNTY COST GROUP 7501560
COUNTY COST GROUP 7601584
COUNTY COST GROUP 7701617
COUNTY COST GROUP 7801647
COUNTY COST GROUP 7901698
COUNTY COST GROUP 8001740
COUNTY COST GROUP 8101791
COUNTY COST GROUP 8201848
COUNTY COST GROUP 8301917
COUNTY COST GROUP 8402007
COUNTY COST GROUP 8502142
COUNTY COST GROUP 8602292
COUNTY COST GROUP 8702463
COUNTY COST GROUP 8802685
COUNTY COST GROUP 8902979

Types of Military Housing Allowance

There are 2 basic types of military housing allowance are Basic Allowance for Housing (BAH) and the Overseas Housing Allowance (OHA)

But there is also a housing allowance for those who use the Post 9/11 GI Bill. This housing allowance is very similar that paid to the BAH for an E-5 at the with-dependents rate for the zip code where the service member takes most of their classes. If you want to see your Post 9/11 GI Bill housing allowance, search using that criteria but know that if you take online classes, you may qualify for a reduced BAH rate rather than the full rate.

Basic Allowance for Housing (BAH)

BAH is paid to those on military duty in the United States. OHA is paid to those assigned overseas and who do not live in government housing. BAH and OHA are not taxable like basic pay. You are permitted to use BAH to qualify for a home loan and to pay your monthly mortgage.

BAH rates are set yearly based on current economic factors, housing market data, and other variables. Rates are subject to change, but you should generally not see your housing allowance decrease from one year to the next. We’ll examine why that is below.

Overseas Housing Allowance (OHA)

Overseas Housing Allowances (OHA) are paid to military members assigned overseas who won’t be living in on-base or government housing. The allowance is meant to offset the cost of living off base, but like BAH, it is not necessarily meant to cover the entire cost of rent and utilities. But it does cover a significant portion of them depending on location and other variables.

The DoD says OHA is paid to approximately 55,000 troops overseas to the tune of $2 billion per year.

Housing Allowance Rate Protection

The DoD reminds servicemembers that “individual rate protection” will typically prevent a servicemember from getting a lower stateside housing allowance than the previous year, assuming certain conditions are not present.

What conditions?

The DoD requires the service member to maintain eligibility for BAH. Rate protection is meant to ensure that those in the military “who have made long-term commitments in the form of a lease or contract are not

Penalized” in cases where housing costs in a given market actually go down.

Rate protection for service members may be assumed UNLESS one of the following applies:

  • Permanent Change of Station (PCS)
  • Reduction in pay grade
  • Change in dependency status

Who Is Eligible for a Military Housing Allowance

Uniformed service members not assigned quarters on base may be approved to draw BAH or OHA. Some who live on base in stateside public/private partnerships may pay rent to a property management company while living on base.

This is because the properties are owned or maintained by that private agency. In other cases, you may rent or purchase property off-post and use your housing allowance instead. Overseas, you will draw OHA when living off-base in the local economy.

How Military Housing Allowances Are Calculated

Your BAH is calculated based on your duty location (the local zip code for stateside bases or the specific location in the host nation where you serve), your rank, whether you are married or not, and the calendar year you are approved for the allowance in. OHA is calculated using a more complex formula that includes cost and currency data, location and size of the country, and your status as a single or married service member.

OHA rates are compiled by country and are updated based on new cost data and currency fluctuations.  Where To Find Your BAH Rates For The Current Year

  • Calculate your stateside BAH rate using the BAH Calculator at the top of this page or the official one found at the DoD Travel Management Office’s official site.
  • Calculate your Overseas Housing Allowance rate using the OHA Calculator at the DoD Travel Management Office.

Applying for a Military Housing Allowance

When assigned overseas, you will apply with your base housing office and be sure to fill out DD Form 2367, Individual Overseas Housing Allowance (OHA) Report. Most bases have a rule that you should check in with the housing office prior to committing to any lease or other legally binding agreement–you will want to know what the locals know about renting off the post.

When assigned stateside, report to the base housing office as soon as possible to learn what local requirements may apply for you to begin drawing BAH. You may often be given information in your welcome briefing or in-processing appointments, but it’s best to check in with the housing office as early as possible.

Procedures for getting BAH may vary from base to base and may not be standardized across all service branches.

What To Know About BAH and OHA

Your military housing allowance for stateside and overseas duty is calculated on rental data, NOT homeownership data. This housing allowance does not take into account any costs associated with owning a home, and the amount of your BAH or OHA should not inform your decisions where purchasing a home is concerned.

The BAH you get is not meant to be a realistic yardstick for the costs of home ownership–if you try to decide how much mortgage you can afford each month, BAH doesn’t indicate how much loan you may be approved for. It may be best to think of BAH as supplemental income that can help offset a major portion of your home expenses but NOT all of them. You may find that your out-of-pocket costs may run between 5% and 20% of the full mortgage or rental per month.

BAH and OHA may increase as your rank increases, which is helpful if you consider buying or renting a larger home sometime in the future.

 

 

About the author

Joe Wallace

Editor-in-Chief | + posts

Editor-in-Chief Joe Wallace is a 13-year veteran of the United States Air Force and a former reporter/editor for Air Force Television News and the Pentagon Channel. His freelance work includes contract work for Motorola, VALoans.com, and Credit Karma. He is co-founder of Dim Art House in Springfield, Illinois, and spends his non-writing time as an abstract painter, independent publisher, and occasional filmmaker.

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