2025 BAH Rates in Arkansas – ZIP Code Housing Allowance
The 2025 Basic Allowance for Housing (BAH) rates in Arkansas are now live. These rates support active-duty military personnel by helping cover off-base housing costs, based on ZIP code, pay grade, and dependent status. Whether you’re stationed at Little Rock AFB, Pine Bluff Arsenal, or Fort Chaffee, use the charts below to find your monthly allowance.
Arkansas BAH rates rose by an average of 5.4% in 2025, with increases near bases like Jacksonville, Fort Smith, and Pine Bluff. You can view nationwide updates on our military housing allowance update page or explore homebuying benefits in our Arkansas VA loan guide.
Check VA Rates and Get-Approved for a VA Loan Today
In this Article
How to Find Your 2025 BAH Rate in Arkansas
Use the 2025 BAH charts below to locate your housing allowance by ZIP code, rank, and dependency status. Rates vary across Arkansas’s military zones—from Little Rock to Fort Smith and surrounding communities.
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 payment that helps active-duty military members afford off-base housing. In Arkansas, BAH plays a critical role in supporting service members near Little Rock AFB, Fort Chaffee, and other regional posts.
The Department of Defense adjusts BAH each year to reflect rental market conditions. The 2025 charts below list the updated rates based on ZIP code, rank, and dependency status.
How BAH Rates Are Determined
BAH is based on:
- Location: ZIP code-level market data from areas like Little Rock, Fort Smith, and Pine Bluff.
- Rank: Higher-ranking service members receive more to account for increased housing needs.
- Dependents: Those with dependents receive a higher rate for family-sized housing.
This system ensures that military personnel receive a fair and accurate allowance aligned with the local housing market.
How to Use the BAH Charts
To calculate your monthly BAH:
- Locate your duty station’s ZIP code or MHA (Military Housing Area).
- Select your rank/pay grade.
- Check if you’re eligible for the “with dependents” rate.
These steps will give you an accurate monthly housing allowance for your assignment in Arkansas.
2025 Arkansas BAH Rate Charts
Arkansas BAH increased by 5.4% on average for 2025. Use the updated charts below to find your current rate in Little Rock, Pine Bluff, Fort Smith, and other areas across the state.
Arkansas Housing Costs & BAH Impact
Arkansas offers a mix of affordable and moderately priced rental markets. Areas around Little Rock AFB and Fayetteville have seen rental increases in recent years, prompting higher BAH rates for 2025. In smaller communities and rural zones, BAH may cover full rental costs — offering service members the ability to save or apply funds toward utilities and essentials. These rates are evaluated yearly to reflect ZIP-level changes across the state.
LITTLE ROCK, AR BAH Rates
Military Housing Area: AR010
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,686 | $1,320 |
| E02 | $1,686 | $1,320 |
| E03 | $1,686 | $1,320 |
| E04 | $1,686 | $1,320 |
| E05 | $1,722 | $1,530 |
| E06 | $1,821 | $1,650 |
| E07 | $1,839 | $1,692 |
| E08 | $1,863 | $1,746 |
| E09 | $1,995 | $1,764 |
| W01 | $1,836 | $1,689 |
| W02 | $1,851 | $1,743 |
| W03 | $1,884 | $1,770 |
| W04 | $2,037 | $1,815 |
| W05 | $2,229 | $1,845 |
| O01E | $1,842 | $1,719 |
| O02E | $1,878 | $1,758 |
| O03E | $2,064 | $1,809 |
| O01 | $1,743 | $1,647 |
| O02 | $1,818 | $1,713 |
| O03 | $1,881 | $1,779 |
| O04 | $2,295 | $1,830 |
| O05 | $2,592 | $1,944 |
| O06 | $2,613 | $1,959 |
| O07 | $2,631 | $1,974 |
BAH for LITTLE ROCK, AR includes the following zip codes: 72007, 72010, 72012, 72020, 72023, 72024, 72032, 72033, 72034, 72035, 72037, 72045, 72046, 72047, 72052, 72053, 72058, 72060, 72061, 72068, 72072, 72076, 72078, 72081, 72082, 72083, 72085, 72086, 72099, 72102, 72106, 72111, 72113, 72114, 72115, 72116, 72117, 72118, 72119, 72120, 72121, 72124, 72135, 72136, 72137, 72139, 72142, 72143, 72145, 72149, 72164, 72173, 72176, 72178, 72180, 72181, 72183, 72190, 72199, 72201, 72202, 72203, 72204, 72205, 72206, 72207, 72209, 72210, 72211, 72212, 72214, 72215, 72216, 72217, 72219, 72221, 72222, 72223, 72225, 72227, 72231, 72255, 72260, 72295
FORT CHAFFEE/FORT SMITH, AR BAH Rates
Military Housing Area: AR012
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,122 | $873 |
| E02 | $1,122 | $873 |
| E03 | $1,122 | $873 |
| E04 | $1,122 | $873 |
| E05 | $1,233 | $954 |
| E06 | $1,647 | $1,233 |
| E07 | $1,737 | $1,302 |
| E08 | $1,833 | $1,374 |
| E09 | $1,956 | $1,467 |
| W01 | $1,665 | $1,248 |
| W02 | $1,779 | $1,335 |
| W03 | $1,899 | $1,470 |
| W04 | $1,977 | $1,662 |
| W05 | $2,079 | $1,761 |
| 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 CHAFFEE/FORT SMITH, AR includes the following zip codes: 72901, 72902, 72903, 72904, 72905, 72906, 72908, 72913, 72914, 72916, 72917, 72918, 72919, 72921, 72923, 72932, 72934, 72935, 72936, 72937, 72938, 72940, 72941, 72945, 72946, 72947, 72948, 72952, 72955, 72956, 72957, 74435, 74901, 74902, 74930, 74932, 74936, 74945, 74946, 74948, 74951, 74953, 74954, 74955, 74956, 74959, 74962
FAYETTEVILLE, AR BAH Rates
Military Housing Area: AR411
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,551 | $1,173 |
| E02 | $1,551 | $1,173 |
| E03 | $1,551 | $1,173 |
| E04 | $1,551 | $1,173 |
| E05 | $1,662 | $1,338 |
| E06 | $1,920 | $1,443 |
| E07 | $1,977 | $1,551 |
| E08 | $2,037 | $1,719 |
| E09 | $2,178 | $1,785 |
| W01 | $1,938 | $1,524 |
| W02 | $2,001 | $1,716 |
| W03 | $2,079 | $1,797 |
| W04 | $2,217 | $1,926 |
| W05 | $2,385 | $1,989 |
| O01E | $1,983 | $1,659 |
| O02E | $2,067 | $1,770 |
| O03E | $2,241 | $1,911 |
| O01 | $1,701 | $1,434 |
| O02 | $1,917 | $1,629 |
| O03 | $2,076 | $1,824 |
| O04 | $2,445 | $1,971 |
| O05 | $2,703 | $2,028 |
| O06 | $2,727 | $2,058 |
| O07 | $2,748 | $2,094 |
BAH for FAYETTEVILLE, AR includes the following zip codes: 72701, 72702, 72703, 72704, 72711, 72712, 72713, 72714, 72715, 72716, 72717, 72718, 72719, 72722, 72727, 72728, 72729, 72730, 72732, 72733, 72734, 72735, 72736, 72737, 72739, 72741, 72744, 72745, 72747, 72749, 72751, 72753, 72756, 72757, 72758, 72761, 72762, 72764, 72765, 72766, 72768, 72769, 72770, 72774, 72959
2025 BAH FAQs for Arkansas
How much did BAH increase in Arkansas for 2025?
Arkansas BAH rose about 5.4% in 2025, with the largest increases seen near Little Rock AFB and Fort Smith.
What cities have the highest BAH in Arkansas?
Little Rock, Fayetteville, and Fort Smith typically have the highest BAH due to higher rental demand.
What is the BAH for an E-5 with dependents near Little Rock AFB?
As of 2025, an E-5 with dependents in that area receives approximately $1,795/month in BAH.
Is BAH enough to cover rent in Arkansas?
Yes, in many areas BAH fully covers rent, especially in smaller towns and rural ZIP codes.
Does BAH vary by ZIP code?
Yes. BAH is calculated at the ZIP-code level using local rental market data.
Do single service members qualify for BAH?
Yes, if authorized to live off base or not assigned government housing.
When are BAH rates updated?
Rates are adjusted annually and take effect every January.
Is BAH considered income for loans?
Yes. Lenders count BAH as qualifying income for VA and conventional loans.
Is BAH taxable?
No. BAH is a non-taxable military housing allowance benefit.
Can I use BAH to help qualify for a VA loan?
Yes. BAH can be used as stable monthly income when applying for a VA loan in Arkansas.
Related Posts
Local Arkansas VA Loan Guide for Veterans 
2025 California BAH Rates | San Diego, Travis AFB, Pendleton 
2025 BAH Rates in Alabama – ZIP Code Housing Allowance 
2025 Arizona BAH Rates by ZIP Code | Military Pay Breakdown 
2025 Alaska BAH Rates by ZIP Code | Anchorage & Fairbanks Pay 
Little Rock Air Force Base