2025 BAH Rates in Arizona – ZIP Code Housing Allowance
The 2025 Basic Allowance for Housing (BAH) rates in Arizona are now live. These rates help active-duty military members cover housing costs while living off base and vary based on location, rank, and dependent status. Whether you’re stationed at Davis-Monthan AFB, Luke AFB, Fort Huachuca, or MCAS Yuma, the charts below will show your local BAH rate by ZIP code and pay grade.
Arizona’s BAH rates increased by an average of 5.4% in 2025, reflecting continued growth in rental markets around Tucson, Phoenix, and Sierra Vista. You can compare this year’s changes on our military housing allowance update page, or explore homebuying options on our Arizona VA loan guide.
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In this Article
How to Find Your 2025 BAH Rate in Arizona
Use the BAH charts below to locate your housing allowance by ZIP code, rank, and dependency status. Rates vary across Arizona’s major military housing areas—from Glendale to Sierra Vista and beyond.
View BAH Rates in:
2025 BAH Rates in Arizona – ZIP Code Housing Allowance
The 2025 Basic Allowance for Housing (BAH) rates in Arizona are now live. These rates help active-duty military members cover housing costs while living off base and vary based on location, rank, and dependent status. Whether you’re stationed at Davis-Monthan AFB, Luke AFB, Fort Huachuca, or MCAS Yuma, the charts below will show your local BAH rate by ZIP code and pay grade.
Arizona’s BAH rates increased by an average of 5.4% in 2025, reflecting continued growth in rental markets around Tucson, Phoenix, and Sierra Vista. You can compare this year’s changes on our military housing allowance update page, or explore homebuying options on our Arizona VA loan guide.
Check VA Rates and Get-Approved for a VA Loan Today
How to Find Your 2025 BAH Rate in Arizona
Use the BAH charts below to locate your housing allowance by ZIP code, rank, and dependency status. Rates vary across Arizona’s major military housing areas—from Glendale to Sierra Vista and beyond.
We’re currently developing an interactive BAH calculator that will allow you to instantly search your rate by entering a ZIP code and pay grade. You can also see how BAH qualifies as income by visiting our VA loan eligibility guide.
What is the Basic Allowance for Housing (BAH)?
The Basic Allowance for Housing (BAH) is a monthly benefit provided to active-duty military personnel to help offset the cost of off-base housing. In Arizona, this allowance ensures service members can secure safe, affordable housing near their assigned installations like Luke AFB, Fort Huachuca, and Davis-Monthan AFB.
Each year, the Department of Defense reviews BAH rates and adjusts them to reflect local market conditions. Below are the updated 2025 BAH figures for Arizona, broken down by ZIP code, rank, and dependent status.
How BAH Rates Are Determined
BAH rates are calculated using three key factors:
- Location: Rates vary based on local rental market data—Phoenix, Tucson, and Sierra Vista all differ.
- Rank: Higher-ranking service members receive larger allowances.
- Dependents: Members with dependents receive higher BAH to support family housing needs.
This system ensures each service member receives a housing allowance that reflects real-world costs in their duty area.
How to Use the BAH Charts
To determine your BAH in Arizona:
- Find your Military Housing Area (MHA) or ZIP code.
- Select your rank or pay grade.
- Choose your dependency status: with or without dependents.
With this info, you’ll easily identify your monthly BAH allowance.
2025 Arizona BAH Rate Charts
In 2025, Arizona’s BAH increased by an average of 5.4%. Use the charts below to view current rates in your area—whether you’re stationed in the Phoenix metro or near Fort Huachuca.
PHOENIX, AZ BAH Rates
Military Housing Area: AZ013
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,163 | $1,644 |
| E02 | $2,163 | $1,644 |
| E03 | $2,163 | $1,644 |
| E04 | $2,163 | $1,644 |
| E05 | $2,391 | $1,827 |
| E06 | $2,583 | $1,959 |
| E07 | $2,601 | $2,172 |
| E08 | $2,610 | $2,436 |
| E09 | $2,631 | $2,481 |
| W01 | $2,598 | $2,094 |
| W02 | $2,607 | $2,433 |
| W03 | $2,619 | $2,490 |
| W04 | $2,652 | $2,574 |
| W05 | $2,730 | $2,586 |
| O01E | $2,604 | $2,388 |
| O02E | $2,613 | $2,469 |
| O03E | $2,661 | $2,571 |
| O01 | $2,424 | $1,932 |
| O02 | $2,580 | $2,319 |
| O03 | $2,616 | $2,511 |
| O04 | $2,754 | $2,577 |
| O05 | $2,868 | $2,589 |
| O06 | $2,895 | $2,592 |
| O07 | $2,916 | $2,616 |
BAH for PHOENIX, AZ includes the following zip codes: 85001, 85002, 85003, 85004, 85005, 85006, 85007, 85008, 85009, 85010, 85011, 85012, 85013, 85014, 85015, 85016, 85017, 85018, 85019, 85020, 85021, 85022, 85023, 85024, 85026, 85027, 85028, 85029, 85030, 85031, 85032, 85033, 85034, 85035, 85036, 85037, 85038, 85039, 85040, 85041, 85042, 85043, 85044, 85045, 85046, 85048, 85050, 85051, 85053, 85054, 85060, 85061, 85062, 85063, 85064, 85065, 85066, 85067, 85068, 85069, 85070, 85071, 85072, 85073, 85074, 85075, 85076, 85078, 85079, 85080, 85082, 85083, 85085, 85086, 85087, 85117, 85118, 85119, 85120, 85121, 85122, 85123, 85127, 85128, 85130, 85131, 85132, 85135, 85137, 85138, 85139, 85140, 85141, 85142, 85143, 85145, 85147, 85172, 85173, 85178, 85190, 85191, 85192, 85193, 85194, 85201, 85202, 85203, 85204, 85205, 85206, 85207, 85208, 85209, 85210, 85211, 85212, 85213, 85214, 85215, 85216, 85224, 85225, 85226, 85233, 85234, 85236, 85244, 85246, 85248, 85249, 85250, 85251, 85252, 85253, 85254, 85255, 85256, 85257, 85258, 85259, 85260, 85261, 85262, 85263, 85264, 85266, 85267, 85268, 85269, 85271, 85274, 85275, 85277, 85280, 85281, 85282, 85283, 85284, 85285, 85286, 85287, 85288, 85295, 85296, 85297, 85298, 85299, 85301, 85302, 85303, 85304, 85305, 85306, 85307, 85308, 85309, 85310, 85311, 85312, 85318, 85320, 85322, 85323, 85326, 85327, 85329, 85331, 85335, 85337, 85338, 85339, 85340, 85342, 85343, 85345, 85351, 85353, 85354, 85355, 85358, 85361, 85363, 85372, 85373, 85374, 85375, 85376, 85377, 85378, 85379, 85380, 85381, 85382, 85383, 85385, 85387, 85388, 85390, 85392, 85395, 85396, 85618, 85623, 85631
FORT HUACHUCA, AZ BAH Rates
Military Housing Area: AZ014
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,578 | $1,260 |
| E02 | $1,578 | $1,260 |
| E03 | $1,578 | $1,260 |
| E04 | $1,578 | $1,260 |
| E05 | $1,752 | $1,344 |
| E06 | $2,007 | $1,503 |
| E07 | $2,040 | $1,581 |
| E08 | $2,073 | $1,809 |
| E09 | $2,142 | $1,875 |
| W01 | $2,025 | $1,527 |
| W02 | $2,052 | $1,806 |
| W03 | $2,100 | $1,887 |
| W04 | $2,163 | $2,007 |
| W05 | $2,247 | $2,046 |
| O01E | $2,043 | $1,749 |
| O02E | $2,091 | $1,860 |
| O03E | $2,172 | $1,998 |
| O01 | $1,791 | $1,398 |
| O02 | $2,004 | $1,698 |
| O03 | $2,097 | $1,911 |
| O04 | $2,271 | $2,031 |
| O05 | $2,394 | $2,049 |
| O06 | $2,415 | $2,076 |
| O07 | $2,433 | $2,112 |
BAH for FORT HUACHUCA, AZ includes the following zip codes: 85602, 85603, 85605, 85606, 85607, 85608, 85609, 85610, 85613, 85615, 85616, 85617, 85620, 85625, 85626, 85627, 85630, 85632, 85635, 85636, 85638, 85643, 85644, 85650, 85655, 85670, 85671
DAVIS-MONTHAN AFB, AZ BAH Rates
Military Housing Area: AZ015
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,689 | $1,266 |
| E02 | $1,689 | $1,266 |
| E03 | $1,689 | $1,266 |
| E04 | $1,689 | $1,266 |
| E05 | $1,896 | $1,422 |
| E06 | $2,118 | $1,587 |
| E07 | $2,145 | $1,698 |
| E08 | $2,172 | $1,947 |
| E09 | $2,244 | $2,001 |
| W01 | $2,136 | $1,626 |
| W02 | $2,157 | $1,944 |
| W03 | $2,196 | $2,010 |
| W04 | $2,265 | $2,115 |
| W05 | $2,358 | $2,148 |
| O01E | $2,148 | $1,893 |
| O02E | $2,187 | $1,989 |
| O03E | $2,277 | $2,109 |
| O01 | $1,929 | $1,479 |
| O02 | $2,115 | $1,830 |
| O03 | $2,193 | $2,034 |
| O04 | $2,388 | $2,136 |
| O05 | $2,523 | $2,151 |
| O06 | $2,544 | $2,172 |
| O07 | $2,562 | $2,211 |
BAH for DAVIS-MONTHAN AFB, AZ includes the following zip codes: 85321, 85341, 85601, 85614, 85619, 85622, 85629, 85633, 85634, 85639, 85641, 85645, 85652, 85653, 85654, 85658, 85701, 85702, 85703, 85704, 85705, 85706, 85707, 85708, 85709, 85710, 85711, 85712, 85713, 85714, 85715, 85716, 85717, 85718, 85719, 85720, 85721, 85722, 85723, 85724, 85725, 85726, 85728, 85730, 85731, 85732, 85733, 85734, 85735, 85736, 85737, 85738, 85739, 85740, 85741, 85742, 85743, 85744, 85745, 85746, 85747, 85748, 85749, 85750, 85751, 85752, 85754, 85755, 85756, 85757, 85775
YUMA, AZ BAH Rates
Military Housing Area: AZ016
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,557 | $1,176 |
| E02 | $1,557 | $1,176 |
| E03 | $1,557 | $1,176 |
| E04 | $1,557 | $1,176 |
| E05 | $1,698 | $1,323 |
| E06 | $1,875 | $1,425 |
| E07 | $1,953 | $1,560 |
| E08 | $2,037 | $1,740 |
| E09 | $2,157 | $1,779 |
| W01 | $1,890 | $1,518 |
| W02 | $1,989 | $1,737 |
| W03 | $2,094 | $1,788 |
| W04 | $2,181 | $1,884 |
| W05 | $2,292 | $1,971 |
| O01E | $1,962 | $1,695 |
| O02E | $2,079 | $1,770 |
| O03E | $2,196 | $1,863 |
| O01 | $1,728 | $1,410 |
| O02 | $1,872 | $1,656 |
| O03 | $2,091 | $1,806 |
| O04 | $2,325 | $1,950 |
| O05 | $2,487 | $1,995 |
| O06 | $2,508 | $2,076 |
| O07 | $2,526 | $2,112 |
BAH for YUMA, AZ includes the following zip codes: 85333, 85336, 85347, 85349, 85350, 85352, 85356, 85364, 85365, 85366, 85367, 85369
2025 BAH FAQs for Arizona
How much did BAH increase in Arizona for 2025?
Arizona BAH rates rose by approximately 5.4% in 2025, reflecting statewide rental growth.
Where is BAH highest in Arizona?
The highest BAH is typically found near Phoenix (Luke AFB) and Tucson (Davis-Monthan AFB) due to higher housing costs.
What is BAH for an E-5 with dependents at Fort Huachuca?
As of 2025, an E-5 with dependents in the Sierra Vista area receives around $1,758/month in BAH.
Is BAH different at each base in Arizona?
Yes. BAH is calculated based on ZIP code, so it varies by duty station.
Can single service members receive BAH?
Yes. BAH is available to single members authorized to live off base.
When are BAH rates updated?
BAH rates are updated annually in January based on housing market data.
Is BAH enough to cover rent in Phoenix?
Often, yes—especially for junior enlisted with roommates or those in family housing. Some may pay slightly out of pocket.
Is BAH considered taxable income?
No. BAH is not taxed and does not appear as income on your federal return.
Can I use BAH as qualifying income?
Yes. BAH can be used as stable income when applying for VA or conventional loans.
What ZIP codes have the highest BAH in Arizona?
ZIPs around Glendale (Luke AFB) and central Tucson have some of the highest BAH rates in the state.
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