2025 BAH Rates in Colorado – ZIP Code Housing Allowance
The 2025 Basic Allowance for Housing (BAH) rates in Colorado are now live. These updated figures help military families afford off-base housing based on ZIP code, rank, and dependent status. Whether you’re stationed at Fort Carson, Peterson SFB, Buckley SFB, or the U.S. Air Force Academy, you’ll find your current BAH rates below.
Colorado BAH rates increased by an average of 5.4% in 2025, reflecting rising rental costs in Colorado Springs, Aurora, and Denver. For national rate updates, visit our military housing allowance update page. If you’re considering using your benefits to purchase a home, check out our Colorado VA loan guide.
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In this Article
How to Find Your 2025 BAH Rate in Colorado
Use the BAH charts below to view your housing allowance based on ZIP code, rank, and dependent status. Military Housing Areas in Colorado include Colorado Springs, Denver-Aurora-Lakewood, and more.
View BAH Rates in:
What is the Basic Allowance for Housing (BAH)?
BAH is a tax-free monthly allowance provided to active-duty service members to help cover the cost of off-base housing. In Colorado, it ensures military families can afford rental housing near duty stations such as Fort Carson, Buckley SFB, or Peterson SFB.
The Department of Defense reviews local rental markets annually and updates BAH rates to match changes in housing costs. Below are the latest 2025 BAH figures for Colorado ZIP codes.
How BAH Rates Are Determined
BAH is calculated using the following factors:
- Location: ZIP-based rent data ensures BAH reflects actual market conditions in Colorado cities like Colorado Springs and Aurora.
- Rank: Senior service members receive higher allowances to match expected housing needs.
- Dependents: Those with dependents receive additional funds for family-friendly housing.
How to Use the BAH Charts
To find your monthly BAH:
- Locate your ZIP code or assigned base in the chart.
- Select your pay grade.
- Check the rate based on your dependency status.
The rates below reflect 2025 BAH for all major Colorado MHAs.
2025 Colorado BAH Rate Charts
Colorado BAH rates increased by 5.4% on average in 2025. Use the tables below to see your updated housing allowance near Fort Carson, the Air Force Academy, and other installations across the state.
Colorado Housing Costs & BAH Impact
Colorado’s rental market continues to grow, especially in Colorado Springs, Denver, and Aurora. BAH in 2025 reflects this growth, with increases across nearly all Military Housing Areas in the state. Near Fort Carson and the U.S. Air Force Academy, BAH often covers the full cost of housing. In rural areas, it may exceed average rent, while in high-demand metro ZIPs, some members may supplement BAH with out-of-pocket costs. Annual adjustments ensure that rates stay aligned with real housing market conditions.
DENVER, CO BAH Rates
Military Housing Area: CO045
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,580 | $1,935 |
| E02 | $2,580 | $1,935 |
| E03 | $2,580 | $1,935 |
| E04 | $2,580 | $1,935 |
| E05 | $2,859 | $2,151 |
| E06 | $3,096 | $2,331 |
| E07 | $3,132 | $2,592 |
| E08 | $3,168 | $2,913 |
| E09 | $3,258 | $2,973 |
| W01 | $3,114 | $2,490 |
| W02 | $3,147 | $2,910 |
| W03 | $3,198 | $2,982 |
| W04 | $3,285 | $3,096 |
| W05 | $3,399 | $3,138 |
| O01E | $3,135 | $2,856 |
| O02E | $3,189 | $2,958 |
| O03E | $3,300 | $3,087 |
| O01 | $2,895 | $2,298 |
| O02 | $3,093 | $2,769 |
| O03 | $3,195 | $3,006 |
| O04 | $3,435 | $3,123 |
| O05 | $3,603 | $3,141 |
| O06 | $3,633 | $3,177 |
| O07 | $3,663 | $3,234 |
BAH for DENVER, CO includes the following zip codes: 80001, 80002, 80003, 80004, 80005, 80006, 80007, 80010, 80011, 80012, 80013, 80014, 80015, 80016, 80017, 80018, 80019, 80020, 80021, 80022, 80024, 80030, 80031, 80033, 80034, 80035, 80036, 80037, 80040, 80041, 80042, 80044, 80045, 80046, 80047, 80102, 80103, 80105, 80110, 80111, 80112, 80113, 80116, 80120, 80121, 80122, 80123, 80124, 80125, 80126, 80127, 80128, 80129, 80130, 80131, 80134, 80135, 80136, 80137, 80138, 80150, 80151, 80155, 80160, 80161, 80162, 80163, 80165, 80166, 80201, 80202, 80203, 80204, 80205, 80206, 80207, 80208, 80209, 80210, 80211, 80212, 80214, 80215, 80216, 80217, 80218, 80219, 80220, 80221, 80222, 80223, 80224, 80225, 80226, 80227, 80228, 80229, 80230, 80231, 80232, 80233, 80234, 80235, 80236, 80237, 80238, 80239, 80241, 80243, 80244, 80246, 80247, 80248, 80249, 80250, 80256, 80257, 80259, 80260, 80261, 80263, 80264, 80265, 80266, 80271, 80273, 80274, 80281, 80290, 80291, 80293, 80294, 80299, 80401, 80402, 80403, 80419, 80425, 80433, 80437, 80439, 80453, 80454, 80457, 80465, 80470, 80601, 80602, 80603, 80614, 80640
COLORADO SPRINGS, CO BAH Rates
Military Housing Area: CO046
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,160 | $1,692 |
| E02 | $2,160 | $1,692 |
| E03 | $2,160 | $1,692 |
| E04 | $2,160 | $1,692 |
| E05 | $2,340 | $1,875 |
| E06 | $2,382 | $1,995 |
| E07 | $2,445 | $2,166 |
| E08 | $2,517 | $2,355 |
| E09 | $2,613 | $2,361 |
| W01 | $2,397 | $2,109 |
| W02 | $2,475 | $2,352 |
| W03 | $2,565 | $2,364 |
| W04 | $2,634 | $2,385 |
| W05 | $2,721 | $2,460 |
| O01E | $2,451 | $2,337 |
| O02E | $2,553 | $2,358 |
| O03E | $2,643 | $2,370 |
| O01 | $2,355 | $1,977 |
| O02 | $2,379 | $2,283 |
| O03 | $2,562 | $2,367 |
| O04 | $2,745 | $2,442 |
| O05 | $2,871 | $2,478 |
| O06 | $2,898 | $2,547 |
| O07 | $2,919 | $2,592 |
BAH for COLORADO SPRINGS, CO includes the following zip codes: 80104, 80106, 80108, 80109, 80118, 80132, 80133, 80808, 80809, 80813, 80814, 80816, 80817, 80819, 80829, 80831, 80832, 80833, 80840, 80841, 80860, 80863, 80864, 80866, 80901, 80902, 80903, 80904, 80905, 80906, 80907, 80908, 80909, 80910, 80911, 80912, 80913, 80914, 80915, 80916, 80917, 80918, 80919, 80920, 80921, 80922, 80923, 80924, 80925, 80926, 80927, 80928, 80929, 80930, 80931, 80932, 80933, 80934, 80935, 80936, 80937, 80938, 80939, 80941, 80942, 80946, 80947, 80949, 80950, 80951, 80960, 80962, 80970, 80977, 80995, 80997
FORT COLLINS, CO BAH Rates
Military Housing Area: CO047
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,013 | $1,611 |
| E02 | $2,013 | $1,611 |
| E03 | $2,013 | $1,611 |
| E04 | $2,013 | $1,611 |
| E05 | $2,178 | $1,758 |
| E06 | $2,421 | $1,863 |
| E07 | $2,517 | $2,019 |
| E08 | $2,622 | $2,232 |
| E09 | $2,745 | $2,295 |
| W01 | $2,439 | $1,968 |
| W02 | $2,562 | $2,229 |
| W03 | $2,691 | $2,304 |
| W04 | $2,766 | $2,439 |
| W05 | $2,862 | $2,541 |
| O01E | $2,532 | $2,175 |
| O02E | $2,673 | $2,280 |
| O03E | $2,778 | $2,412 |
| O01 | $2,214 | $1,848 |
| O02 | $2,418 | $2,127 |
| O03 | $2,688 | $2,331 |
| O04 | $2,892 | $2,517 |
| O05 | $3,030 | $2,574 |
| O06 | $3,057 | $2,673 |
| O07 | $3,081 | $2,721 |
BAH for FORT COLLINS, CO includes the following zip codes: 80511, 80512, 80513, 80514, 80515, 80516, 80517, 80520, 80521, 80522, 80523, 80524, 80525, 80526, 80527, 80528, 80530, 80532, 80534, 80535, 80536, 80537, 80538, 80539, 80541, 80542, 80543, 80545, 80546, 80547, 80549, 80550, 80551, 80553, 80610, 80611, 80612, 80615, 80620, 80621, 80622, 80623, 80624, 80631, 80632, 80633, 80634, 80638, 80639, 80642, 80643, 80644, 80645, 80646, 80648, 80650, 80651, 80652, 80729, 80732, 80742, 80754
BOULDER, CO BAH Rates
Military Housing Area: CO422
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,463 | $1,905 |
| E02 | $2,463 | $1,905 |
| E03 | $2,463 | $1,905 |
| E04 | $2,463 | $1,905 |
| E05 | $2,652 | $2,139 |
| E06 | $3,222 | $2,418 |
| E07 | $3,327 | $2,496 |
| E08 | $3,435 | $2,769 |
| E09 | $3,576 | $2,937 |
| W01 | $3,243 | $2,433 |
| W02 | $3,372 | $2,766 |
| W03 | $3,507 | $2,958 |
| W04 | $3,606 | $3,243 |
| W05 | $3,729 | $3,351 |
| O01E | $3,342 | $2,649 |
| O02E | $3,489 | $2,901 |
| O03E | $3,621 | $3,216 |
| O01 | $2,724 | $2,268 |
| O02 | $3,216 | $2,592 |
| O03 | $3,504 | $3,015 |
| O04 | $3,768 | $3,327 |
| O05 | $3,951 | $3,387 |
| O06 | $3,987 | $3,489 |
| O07 | $4,020 | $3,552 |
BAH for BOULDER, CO includes the following zip codes: 80025, 80026, 80027, 80038, 80301, 80302, 80303, 80304, 80305, 80306, 80307, 80308, 80309, 80310, 80314, 80455, 80466, 80471, 80481, 80501, 80502, 80503, 80504, 80510, 80533, 80540, 80544
2025 BAH FAQs for Colorado
How much did BAH increase in Colorado for 2025?
BAH in Colorado rose by about 5.4% in 2025, with higher gains near Fort Carson and Denver-Aurora ZIP codes.
Which areas in Colorado have the highest BAH?
Metro areas like Aurora and Denver typically offer the highest BAH rates in the state.
What is the BAH for an E-5 with dependents near Fort Carson?
As of 2025, an E-5 with dependents in Colorado Springs receives around $2,058/month.
Can BAH fully cover rent in Colorado?
Yes, in many areas. BAH typically covers full rent in Colorado Springs and exceeds costs in smaller towns.
Do single service members receive BAH?
Yes, if authorized to live off base or if no government quarters are available.
Is BAH taxable in Colorado?
No. BAH is a tax-free benefit and does not count as taxable income.
Does BAH vary by ZIP code?
Yes. BAH is determined by ZIP and adjusted based on local rental data.
Is BAH different at Buckley SFB vs Fort Carson?
Yes. Each base falls under a different MHA, so BAH rates are different.
Can I use BAH as income for a VA loan?
Yes. BAH is considered stable income by lenders and can help you qualify.
When are BAH rates updated?
Rates are adjusted annually, with new rates taking effect each January.
