2026 Georgia BAH Rates by Base, Rank, and Dependents
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2026 Georgia BAH Rates

Rates and VA Loan Buying Power

2026 Georgia BAH Rates and VA Loan Buying Power

Written by: NMLS#151017By (NMLS 151017)
Reviewed by: VA Loan Network Editorial TeamReviewed: VALN Editorial Team
Updated on
Primary sources:
DoD BAH Lookup

VA Home Loan Overview

Georgia has 10 Military Housing Areas. E-5 with-dependents BAH ranges from $1,371 to $2,415 per month; E-6 with dependents ranges from $1,539 to $2,709. Buying-power assumptions are stated below the table.


Next step:
Check Your VA Loan Eligibility

Table 1. Georgia Military Housing Areas at a glance
MHA E-5 w/dep E-6 w/dep E-6 buying power
ATLANTA, GA $2,388 $2,709 ~$300,000
ALBANY, GA $1,371 $1,539 ~$170,000
FORT GORDON, AL $1,890 $2,157 ~$240,000
KINGS BAY/BRUNSWICK, GA $2,133 $2,157 ~$240,000
FORT BENNING, GA $1,716 $1,977 ~$220,000
ROBINS AFB, GA $1,800 $1,878 ~$210,000
SAVANNAH, GA $2,415 $2,652 ~$295,000
DAHLONEGA, GA $2,208 $2,514 ~$280,000
FORT STEWART, GA $2,310 $2,439 ~$270,000
MOODY AFB, GA $1,524 $1,917 ~$210,000

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Step 1 of 6 Your BAH
STEP 01 · YOUR BAH
What's your monthly BAH?

Find it on your LES, listed as "BAH" in entitlements. Or pick your state below to find a base.

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STEP 02 · DEPENDENTS
Do you have dependents?

Spouse, children, or other qualifying dependents. Affects lender qualification.

STEP 03 · CREDIT RANGE
Roughly, where's your credit?

No exact number needed. Many VA lenders go below 580, most banks won't tell you that.

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STEP 04 · TIMELINE
When are you thinking of buying?
YOUR BUYING POWER
Your BAH buys you a home worth this much.
ESTIMATED HOME PRICE
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With $0 down and your VA benefit

▸Estimated VA rate
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▸Down payment
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▸Funding fee (financed)
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▸Estimated monthly payment
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Georgia BAH Snapshot

  • MHA count: 10 Military Housing Areas
  • E-5 w/dep range: $1,371 to $2,415/mo
  • E-6 w/dep range: $1,539 to $2,709/mo
  • Buying power range: ~$150,000 to ~$300,000

How BAH Counts for VA Loans

  • Tax-free income: BAH is excluded from gross income. 26 USC 134(a) Lenders may count it at 125 percent for the debt-to-income ratio, a 25 percent gross-up. VA Pamphlet 26-7 Ch. 4, Debt-to-Income Ratio
  • LES verification: The lender must verify the BAH amount; allowances are documented on the LES. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH
  • Rate protection: The monthly BAH amount may not be reduced while the member retains uninterrupted eligibility within an area. 37 USC 403(b)(6)
  • Dependent status: The statute establishes separate rates for members with and without dependents. 37 USC 403(b)(5) With-dependents rates are higher at every grade in every MHA.

Highest BAH in Texas

  • ATLANTA, GA: E-6 w/dep $2,709/mo, ~$300,000 buying power
  • SAVANNAH, GA: E-6 w/dep $2,652/mo, ~$295,000 buying power
  • DAHLONEGA, GA: E-6 w/dep $2,514/mo, ~$280,000 buying power
  • FORT STEWART, GA: E-6 w/dep $2,439/mo, ~$270,000 buying power

Lowest BAH in Texas

  • ALBANY, GA: E-6 w/dep $1,539/mo, ~$170,000 buying power
  • ROBINS AFB, GA: E-6 w/dep $1,878/mo, ~$210,000 buying power
  • MOODY AFB, GA: E-6 w/dep $1,917/mo, ~$210,000 buying power
  • FORT BENNING, GA: E-6 w/dep $1,977/mo, ~$220,000 buying power

The Bottom Line Up Front

Georgia BAH rates vary by more than $1,170 per month at E-6 with dependents. The highest rate is $2,709 (ATLANTA, GA) and the lowest is $1,539 (ALBANY, GA). That spread translates to a buying-power difference of roughly $130,000 at current VA loan terms.

How to Use Georgia BAH Rates for a VA Loan

  • Verify your BAH on your LES. The lender must verify the BAH amount before counting it as income. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH
  • Confirm your MHA. Your BAH is set by the Military Housing Area assigned to your duty station, not your home address. 37 USC 403(b)(2)
  • Ask about the gross-up. Because BAH is tax free, lenders may count it at 125 percent for the debt-to-income ratio. VA Pamphlet 26-7 Ch. 4, Debt-to-Income Ratio
  • Compare the buying-power estimates. Use the table above to see how your MHA and rank translate to an approximate home price, then get a personalized preapproval from a VA lender.

What to Do Based on Your Situation

  • PCS-ing to Georgia: Your BAH changes to the gaining station’s MHA rate. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH Use the new rate with your orders to start a preapproval before you arrive.
  • Already stationed in Georgia: Your BAH amount may not be reduced while you retain uninterrupted eligibility within the area, even if published rates drop. 37 USC 403(b)(6)
  • Separating from service: BAH stops when active-duty status ends. If you plan to buy before separation, verify the BAH amount on your current LES and close while you are still receiving it. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH

Georgia Housing Costs and BAH Impact

Your BAH rate depends on the Military Housing Area assigned to your duty station, and the same rank can produce different buying power across Georgia.

BAH is one piece of the income picture. When you apply for a VA loan, the lender evaluates your debt-to-income ratio and residual income alongside your housing allowance. Because BAH is excluded from gross income, lenders may count it at 125 percent for the debt-to-income ratio. 26 USC 134(a) VA Pamphlet 26-7 Ch. 4, Debt-to-Income Ratio

For a broader look at homebuying in this state, see the Georgia VA loan guide.

Explore More BAH Insights

Georgia BAH Rates by Military Housing Area

Each block below holds the full pay-grade table, buying power by rank, and, when available, ZIP codes. Buying power assumes 6.5 percent rate, 30-year term, 2.15 percent VA funding fee financed, zero down payment, Georgia property tax at 0.74 percent (2023 ACS), homeowners insurance at 0.51 percent of home value (2022 III/NAIC), and PITI capped at 83 percent of BAH with dependents (VALN assumption, not a VA or DoD rule).

ATLANTA, GA (MHA GA071): E-5 w/dep $2,388, E-6 w/dep $2,709, ~$300,000 buying power

ATLANTA, GA BAH Rates

Table 2. 2026 BAH rates for ATLANTA, GA
Grade With Dependents Without Dependents
E-1 $2,259 $1,752
E-2 $2,259 $1,752
E-3 $2,259 $1,752
E-4 $2,259 $1,752
E-5 $2,388 $1,995
E-6 $2,709 $2,139
E-7 $2,730 $2,262
E-8 $2,739 $2,457
E-9 $2,757 $2,544
W-1 $2,727 $2,226
W-2 $2,736 $2,454
W-3 $2,748 $2,559
W-4 $2,772 $2,703
W-5 $2,841 $2,712
O-1E $2,733 $2,385
O-2E $2,742 $2,526
O-3E $2,784 $2,700
O-1 $2,433 $2,130
O-2 $2,706 $2,349
O-3 $2,745 $2,589
O-4 $2,859 $2,706
O-5 $2,964 $2,715
O-6 $2,985 $2,718
O-7 $3,006 $2,742

ATLANTA, GA Buying Power

  • E-5 w/dep ($2,388): ~$265,000 home, PITI ~$1,987/mo
  • E-6 w/dep ($2,709): ~$300,000 home, PITI ~$2,249/mo
  • E-7 w/dep ($2,730): ~$300,000 home, PITI ~$2,249/mo
  • O-3 w/dep ($2,745): ~$305,000 home, PITI ~$2,287/mo
ALBANY, GA (MHA GA072): E-5 w/dep $1,371, E-6 w/dep $1,539, ~$170,000 buying power

ALBANY, GA BAH Rates

Table 3. 2026 BAH rates for ALBANY, GA
Grade With Dependents Without Dependents
E-1 $1,326 $1,197
E-2 $1,326 $1,197
E-3 $1,326 $1,197
E-4 $1,326 $1,197
E-5 $1,371 $1,242
E-6 $1,539 $1,284
E-7 $1,671 $1,329
E-8 $1,815 $1,410
E-9 $2,010 $1,509
W-1 $1,557 $1,326
W-2 $1,731 $1,407
W-3 $1,911 $1,512
W-4 $2,046 $1,563
W-5 $2,217 $1,707
O-1E $1,695 $1,368
O-2E $1,884 $1,440
O-3E $2,073 $1,554
O-1 $1,401 $1,281
O-2 $1,536 $1,362
O-3 $1,905 $1,515
O-4 $2,271 $1,704
O-5 $2,532 $1,899
O-6 $2,550 $1,914
O-7 $2,568 $1,926

ALBANY, GA Buying Power

  • E-5 w/dep ($1,371): ~$150,000 home, PITI ~$1,125/mo
  • E-6 w/dep ($1,539): ~$170,000 home, PITI ~$1,275/mo
  • E-7 w/dep ($1,671): ~$185,000 home, PITI ~$1,387/mo
  • O-3 w/dep ($1,905): ~$210,000 home, PITI ~$1,575/mo
FORT GORDON, AL (MHA GA073): E-5 w/dep $1,890, E-6 w/dep $2,157, ~$240,000 buying power

FORT GORDON, AL BAH Rates

Table 4. 2026 BAH rates for FORT GORDON, AL
Grade With Dependents Without Dependents
E-1 $1,809 $1,506
E-2 $1,809 $1,506
E-3 $1,809 $1,506
E-4 $1,809 $1,506
E-5 $1,890 $1,644
E-6 $2,157 $1,731
E-7 $2,190 $1,809
E-8 $2,226 $1,947
E-9 $2,334 $2,019
W-1 $2,175 $1,797
W-2 $2,205 $1,944
W-3 $2,253 $2,031
W-4 $2,367 $2,157
W-5 $2,514 $2,196
O-1E $2,193 $1,887
O-2E $2,241 $2,004
O-3E $2,388 $2,148
O-1 $1,929 $1,728
O-2 $2,154 $1,866
O-3 $2,250 $2,058
O-4 $2,559 $2,181
O-5 $2,787 $2,199
O-6 $2,808 $2,226
O-7 $2,826 $2,262

FORT GORDON, AL Buying Power

  • E-5 w/dep ($1,890): ~$210,000 home, PITI ~$1,575/mo
  • E-6 w/dep ($2,157): ~$240,000 home, PITI ~$1,800/mo
  • E-7 w/dep ($2,190): ~$240,000 home, PITI ~$1,800/mo
  • O-3 w/dep ($2,250): ~$250,000 home, PITI ~$1,875/mo
KINGS BAY/BRUNSWICK, GA (MHA GA074): E-5 w/dep $2,133, E-6 w/dep $2,157, ~$240,000 buying power

KINGS BAY/BRUNSWICK, GA BAH Rates

Table 5. 2026 BAH rates for KINGS BAY/BRUNSWICK, GA
Grade With Dependents Without Dependents
E-1 $2,016 $1,656
E-2 $2,016 $1,656
E-3 $2,016 $1,656
E-4 $2,016 $1,656
E-5 $2,133 $1,806
E-6 $2,157 $1,905
E-7 $2,250 $2,019
E-8 $2,352 $2,145
E-9 $2,499 $2,151
W-1 $2,172 $1,989
W-2 $2,292 $2,142
W-3 $2,421 $2,154
W-4 $2,529 $2,169
W-5 $2,664 $2,271
O-1E $2,265 $2,130
O-2E $2,400 $2,148
O-3E $2,550 $2,160
O-1 $2,145 $1,896
O-2 $2,154 $2,097
O-3 $2,418 $2,157
O-4 $2,706 $2,247
O-5 $2,916 $2,304
O-6 $2,937 $2,400
O-7 $2,955 $2,439

KINGS BAY/BRUNSWICK, GA Buying Power

  • E-5 w/dep ($2,133): ~$235,000 home, PITI ~$1,762/mo
  • E-6 w/dep ($2,157): ~$240,000 home, PITI ~$1,800/mo
  • E-7 w/dep ($2,250): ~$250,000 home, PITI ~$1,875/mo
  • O-3 w/dep ($2,418): ~$270,000 home, PITI ~$2,025/mo
FORT BENNING, GA (MHA GA075): E-5 w/dep $1,716, E-6 w/dep $1,977, ~$220,000 buying power

FORT BENNING, GA BAH Rates

Table 6. 2026 BAH rates for FORT BENNING, GA
Grade With Dependents Without Dependents
E-1 $1,635 $1,362
E-2 $1,635 $1,362
E-3 $1,635 $1,362
E-4 $1,635 $1,362
E-5 $1,716 $1,482
E-6 $1,977 $1,557
E-7 $2,004 $1,635
E-8 $2,037 $1,773
E-9 $2,121 $1,842
W-1 $1,995 $1,623
W-2 $2,016 $1,770
W-3 $2,061 $1,854
W-4 $2,148 $1,977
W-5 $2,262 $2,010
O-1E $2,007 $1,713
O-2E $2,049 $1,827
O-3E $2,166 $1,968
O-1 $1,755 $1,554
O-2 $1,974 $1,692
O-3 $2,058 $1,878
O-4 $2,295 $1,998
O-5 $2,469 $2,013
O-6 $2,487 $2,034
O-7 $2,502 $2,067

FORT BENNING, GA Buying Power

  • E-5 w/dep ($1,716): ~$190,000 home, PITI ~$1,425/mo
  • E-6 w/dep ($1,977): ~$220,000 home, PITI ~$1,650/mo
  • E-7 w/dep ($2,004): ~$220,000 home, PITI ~$1,650/mo
  • O-3 w/dep ($2,058): ~$230,000 home, PITI ~$1,725/mo
ROBINS AFB, GA (MHA GA076): E-5 w/dep $1,800, E-6 w/dep $1,878, ~$210,000 buying power

ROBINS AFB, GA BAH Rates

Table 7. 2026 BAH rates for ROBINS AFB, GA
Grade With Dependents Without Dependents
E-1 $1,692 $1,341
E-2 $1,692 $1,341
E-3 $1,692 $1,341
E-4 $1,692 $1,341
E-5 $1,800 $1,491
E-6 $1,878 $1,590
E-7 $1,992 $1,695
E-8 $2,118 $1,824
E-9 $2,283 $1,833
W-1 $1,893 $1,668
W-2 $2,043 $1,821
W-3 $2,202 $1,839
W-4 $2,313 $1,896
W-5 $2,451 $2,019
O-1E $2,013 $1,797
O-2E $2,178 $1,830
O-3E $2,334 $1,866
O-1 $1,818 $1,581
O-2 $1,875 $1,770
O-3 $2,199 $1,842
O-4 $2,496 $1,992
O-5 $2,709 $2,064
O-6 $2,730 $2,181
O-7 $2,745 $2,217

ROBINS AFB, GA Buying Power

  • E-5 w/dep ($1,800): ~$200,000 home, PITI ~$1,500/mo
  • E-6 w/dep ($1,878): ~$210,000 home, PITI ~$1,575/mo
  • E-7 w/dep ($1,992): ~$220,000 home, PITI ~$1,650/mo
  • O-3 w/dep ($2,199): ~$245,000 home, PITI ~$1,837/mo
SAVANNAH, GA (MHA GA077): E-5 w/dep $2,415, E-6 w/dep $2,652, ~$295,000 buying power

SAVANNAH, GA BAH Rates

Table 8. 2026 BAH rates for SAVANNAH, GA
Grade With Dependents Without Dependents
E-1 $2,235 $1,821
E-2 $2,235 $1,821
E-3 $2,235 $1,821
E-4 $2,235 $1,821
E-5 $2,415 $1,968
E-6 $2,652 $2,073
E-7 $2,685 $2,241
E-8 $2,718 $2,466
E-9 $2,823 $2,529
W-1 $2,670 $2,184
W-2 $2,697 $2,463
W-3 $2,748 $2,538
W-4 $2,853 $2,652
W-5 $2,991 $2,691
O-1E $2,688 $2,412
O-2E $2,736 $2,514
O-3E $2,874 $2,643
O-1 $2,451 $2,055
O-2 $2,649 $2,358
O-3 $2,745 $2,562
O-4 $3,036 $2,676
O-5 $3,249 $2,694
O-6 $3,273 $2,721
O-7 $3,297 $2,769

SAVANNAH, GA Buying Power

  • E-5 w/dep ($2,415): ~$265,000 home, PITI ~$1,987/mo
  • E-6 w/dep ($2,652): ~$295,000 home, PITI ~$2,212/mo
  • E-7 w/dep ($2,685): ~$295,000 home, PITI ~$2,212/mo
  • O-3 w/dep ($2,745): ~$305,000 home, PITI ~$2,287/mo
DAHLONEGA, GA (MHA GA079): E-5 w/dep $2,208, E-6 w/dep $2,514, ~$280,000 buying power

DAHLONEGA, GA BAH Rates

Table 9. 2026 BAH rates for DAHLONEGA, GA
Grade With Dependents Without Dependents
E-1 $2,130 $1,746
E-2 $2,130 $1,746
E-3 $2,130 $1,746
E-4 $2,130 $1,746
E-5 $2,208 $1,938
E-6 $2,514 $2,052
E-7 $2,535 $2,130
E-8 $2,544 $2,274
E-9 $2,583 $2,358
W-1 $2,532 $2,115
W-2 $2,541 $2,271
W-3 $2,553 $2,370
W-4 $2,604 $2,508
W-5 $2,706 $2,517
O-1E $2,538 $2,205
O-2E $2,547 $2,337
O-3E $2,619 $2,505
O-1 $2,250 $2,049
O-2 $2,511 $2,187
O-3 $2,550 $2,400
O-4 $2,736 $2,511
O-5 $2,892 $2,520
O-6 $2,916 $2,523
O-7 $2,934 $2,544

DAHLONEGA, GA Buying Power

  • E-5 w/dep ($2,208): ~$245,000 home, PITI ~$1,837/mo
  • E-6 w/dep ($2,514): ~$280,000 home, PITI ~$2,100/mo
  • E-7 w/dep ($2,535): ~$280,000 home, PITI ~$2,100/mo
  • O-3 w/dep ($2,550): ~$280,000 home, PITI ~$2,100/mo
FORT STEWART, GA (MHA GA080): E-5 w/dep $2,310, E-6 w/dep $2,439, ~$270,000 buying power

FORT STEWART, GA BAH Rates

Table 10. 2026 BAH rates for FORT STEWART, GA
Grade With Dependents Without Dependents
E-1 $2,175 $1,791
E-2 $2,175 $1,791
E-3 $2,175 $1,791
E-4 $2,175 $1,791
E-5 $2,310 $1,947
E-6 $2,439 $2,049
E-7 $2,493 $2,178
E-8 $2,556 $2,340
E-9 $2,682 $2,367
W-1 $2,454 $2,142
W-2 $2,520 $2,337
W-3 $2,601 $2,376
W-4 $2,715 $2,442
W-5 $2,859 $2,508
O-1E $2,502 $2,307
O-2E $2,586 $2,361
O-3E $2,736 $2,427
O-1 $2,334 $2,037
O-2 $2,436 $2,268
O-3 $2,598 $2,385
O-4 $2,904 $2,490
O-5 $3,129 $2,520
O-6 $3,153 $2,577
O-7 $3,174 $2,619

FORT STEWART, GA Buying Power

  • E-5 w/dep ($2,310): ~$255,000 home, PITI ~$1,912/mo
  • E-6 w/dep ($2,439): ~$270,000 home, PITI ~$2,025/mo
  • E-7 w/dep ($2,493): ~$275,000 home, PITI ~$2,062/mo
  • O-3 w/dep ($2,598): ~$290,000 home, PITI ~$2,174/mo
MOODY AFB, GA (MHA GA081): E-5 w/dep $1,524, E-6 w/dep $1,917, ~$210,000 buying power

MOODY AFB, GA BAH Rates

Table 11. 2026 BAH rates for MOODY AFB, GA
Grade With Dependents Without Dependents
E-1 $1,503 $1,320
E-2 $1,503 $1,320
E-3 $1,503 $1,320
E-4 $1,503 $1,320
E-5 $1,524 $1,416
E-6 $1,917 $1,479
E-7 $1,950 $1,512
E-8 $1,980 $1,608
E-9 $2,097 $1,722
W-1 $1,938 $1,509
W-2 $1,962 $1,605
W-3 $2,007 $1,737
W-4 $2,130 $1,920
W-5 $2,289 $1,956
O-1E $1,953 $1,524
O-2E $1,995 $1,695
O-3E $2,157 $1,911
O-1 $1,578 $1,476
O-2 $1,914 $1,521
O-3 $2,004 $1,773
O-4 $2,340 $1,941
O-5 $2,589 $1,959
O-6 $2,607 $1,980
O-7 $2,622 $2,013

MOODY AFB, GA Buying Power

  • E-5 w/dep ($1,524): ~$170,000 home, PITI ~$1,275/mo
  • E-6 w/dep ($1,917): ~$210,000 home, PITI ~$1,575/mo
  • E-7 w/dep ($1,950): ~$215,000 home, PITI ~$1,612/mo
  • O-3 w/dep ($2,004): ~$220,000 home, PITI ~$1,650/mo

VA Loans Near Georgia Military Bases

Georgia BAH rates for an E-6 with dependents range from $1,539/month (ALBANY, GA) to $2,709/month (ATLANTA, GA). That translates to estimated buying power from ~$170,000 to ~$300,000 at current VA loan terms.

Frequently Asked Questions

Can I use BAH to qualify for a VA loan?

Yes. BAH is included in effective income if properly verified. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH Because BAH is tax free, lenders may count it at 125 percent for the debt-to-income ratio, a 25 percent gross-up. VA Pamphlet 26-7 Ch. 4, Debt-to-Income Ratio

Does BAH change when I PCS?

Your BAH rate is based on the MHA of your duty station. The BAH amount changes from one duty station to another. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH Rate protection means the monthly amount may not be reduced while the member retains uninterrupted eligibility within an area. 37 USC 403(b)(6)

What is the difference between with-dependents and without-dependents BAH?

The statute establishes separate rates for members with and without dependents. 37 USC 403(b)(5) With-dependents rates are higher at every grade in every MHA.

How many MHAs are in Georgia?

Georgia has 10 Military Housing Areas. The Secretary of Defense determines the costs of adequate housing in each area. 37 USC 403(b)(2)

Which Georgia MHA has the highest BAH?

ATLANTA, GA has the highest E-6 with-dependents rate at $2,709 per month, translating to roughly $300,000 in buying power.

Which Georgia MHA has the lowest BAH?

ALBANY, GA has the lowest E-6 with-dependents rate at $1,539 per month, translating to roughly $170,000 in buying power.

How is buying power calculated?

Buying power assumes 6.5 percent rate, 30-year term, 2.15 percent VA funding fee financed, zero down payment, Georgia property tax at 0.74 percent (2023 ACS), homeowners insurance at 0.51 percent of home value (2022 III/NAIC), and PITI capped at 83 percent of BAH with dependents (VALN assumption, not a VA or DoD rule).

Is BAH the same as housing allowance on my LES?

Yes. Military allowances including BAH are documented on the LES. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH The amount matches the published DoD rate for your MHA, grade, and dependency status.

How We Researched This Page

BAH rates are from the 2026 DoD BAH rate tables. Buying power is derived using the documented assumptions: Buying power assumes 6.5 percent rate, 30-year term, 2.15 percent VA funding fee financed, zero down payment, Georgia property tax at 0.74 percent (2023 ACS), homeowners insurance at 0.51 percent of home value (2022 III/NAIC), and PITI capped at 83 percent of BAH with dependents (VALN assumption, not a VA or DoD rule). These figures are estimates for comparison, not loan quotes or approvals.

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