Rates and VA Loan Buying Power
2026 Georgia BAH Rates and VA Loan Buying Power
DoD BAH lookup
DFAS pay and entitlements
VA home loan overview
CFPB Loan Estimate guide
Georgia BAH rates vary sharply by Military Housing Area, and that matters because tax free BAH can change VA loan buying power when it is verified on your LES. Before you scroll the tables, make sure a lender is using the right Georgia market, the right dependency status, and a payment target that fits the full file.
Next step:
Check VA Loan Eligibility Using Your BAH and LES
Georgia BAH Snapshot
Georgia is not one housing market. Hunter Army Airfield, Atlanta, and Fort Stewart run well above places like Moody AFB and Albany in your sample set, so payment range can shift fast by zip, rank, and dependency status.
How Lenders Count BAH
Many VA lenders count BAH as qualifying income when it shows on your LES. Because it is tax free, some lenders also gross it up. That can help DTI, but residual income and the full payment still decide what works.
PCS and Rate Protection
With valid PCS orders, lenders can often use gaining station BAH when you are moving into Georgia. Separate from that, individual rate protection can preserve a higher allowance while you stay at the same duty station with the same status.
LES and Documents
Expect underwriters to review two to three LES statements, plus PCS orders when you are buying before a move. Those documents help verify continuity, current entitlements, and whether the lender used the correct Georgia housing assumptions.
Frequently Asked Questions
Can I use Georgia BAH to qualify for a VA loan?
Yes. Many lenders count BAH as qualifying income when it appears on your LES. Because it is tax free, some lenders may also gross it up, which can improve ratios and increase buying power.
Can PCS orders affect the Georgia BAH a lender uses?
Why does the Georgia BAH table not match my loan estimate exactly?
How to Use Georgia BAH Rates for a VA Loan
- Pick the right table: Start with the Georgia market that matches your duty station or likely purchase area, then match rank and dependency status before estimating any payment.
- Turn BAH into PITI target plus cushion: Use BAH as the first pass for principal, interest, taxes, and insurance, then leave room for utilities, HOA dues, repairs, and ordinary monthly variance.
- Verify lender treatment using LES and gross up: Ask how the lender is counting tax free BAH from your LES, whether it is grossed up, and how that changes your real qualifying range.
- Use same assumptions when shopping lenders: Keep purchase price, taxes, insurance, credit band, and occupancy plan the same so you can judge lender treatment instead of comparing mismatched scenarios.
Convert Your BAH to VA Buying Power
Enter your BAH and key financials. We’ll estimate a comfortable VA home price and the resulting monthly payment.
Explore More BAH Insights
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2026 Basic Allowance for Housing (BAH) Rates by City
Official 2026 tables by city and MHA -
How BAH Affects VA Loan Buying Power
How allowance converts to qualifying income and price -
Military Housing Allowance (MHA) vs. BAH
Terminology and usage across DoD and lenders -
How Dual Military Couples Combine BAH for a VA Loan
Categories, documentation, and joint approvals -
Using BAH After Active Duty for a VA Loan
Eligibility paths, timing, documentation after separation -
Top 10 Military Cities with the Highest BAH
Markets with strong allowances and typical housing costs -
BAH Reserve and Transient Rates for 2026
Reserve component and partial month quick reference -
BAH vs PITI Mortgage Coverage
Define coverage and calculate safe payment buffers -
BAH VA Loan Buy or Rent PCS
Choose ownership or leasing around PCS timelines -
BAH Gross Up VA Loan Buying Power
How lenders adjust non taxable income and DTI impact
2026 Georgia BAH Rate Charts
In 2026, the Basic Allowance for Housing (BAH) rates in Georgia have risen in line with the national average increase of approximately 5.4%. This adjustment, made annually by the Department of Defense, ensures that allowances keep pace with local housing costs and provide the financial support needed for service members to find suitable off-base housing.
Below are the updated BAH rate charts for key Georgia Military Housing Areas (MHAs). Use these tables to quickly determine your housing allowance based on your rank and dependent status.
ATLANTA, GA BAH Rates
Military Housing Area: GA071
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,247 | $1,752 |
| E02 | $2,247 | $1,752 |
| E03 | $2,247 | $1,752 |
| E04 | $2,247 | $1,752 |
| E05 | $2,367 | $1,989 |
| E06 | $2,664 | $2,133 |
| E07 | $2,685 | $2,250 |
| E08 | $2,694 | $2,433 |
| E09 | $2,718 | $2,511 |
| W01 | $2,682 | $2,217 |
| W02 | $2,691 | $2,430 |
| W03 | $2,703 | $2,523 |
| W04 | $2,739 | $2,658 |
| W05 | $2,823 | $2,670 |
| O01E | $2,688 | $2,364 |
| O02E | $2,697 | $2,493 |
| O03E | $2,751 | $2,655 |
| O01 | $2,412 | $2,121 |
| O02 | $2,661 | $2,331 |
| O03 | $2,700 | $2,556 |
| O04 | $2,850 | $2,661 |
| O05 | $2,973 | $2,673 |
| O06 | $3,000 | $2,676 |
| O07 | $3,021 | $2,700 |
BAH for ATLANTA, GA includes the following zip codes: 30002, 30003, 30004, 30005, 30006, 30007, 30008, 30009, 30010, 30017, 30019, 30021, 30022, 30023, 30024, 30026, 30029, 30030, 30031, 30032, 30033, 30034, 30035, 30036, 30037, 30038, 30039, 30042, 30043, 30044, 30045, 30046, 30047, 30048, 30049, 30058, 30060, 30061, 30062, 30063, 30064, 30065, 30066, 30067, 30068, 30069, 30071, 30072, 30074, 30075, 30076, 30077, 30078, 30079, 30080, 30081, 30082, 30083, 30084, 30085, 30086, 30087, 30088, 30090, 30091, 30092, 30093, 30095, 30096, 30097, 30098, 30099, 30101, 30106, 30111, 30122, 30126, 30127, 30133, 30134, 30135, 30144, 30152, 30154, 30156, 30160, 30168, 30187, 30205, 30213, 30214, 30215, 30228, 30236, 30237, 30238, 30248, 30250, 30252, 30253, 30260, 30268, 30269, 30270, 30272, 30273, 30274, 30281, 30287, 30288, 30290, 30291, 30294, 30296, 30297, 30298, 30301, 30302, 30303, 30304, 30305, 30306, 30307, 30308, 30309, 30310, 30311, 30312, 30313, 30314, 30315, 30316, 30317, 30318, 30319, 30320, 30321, 30322, 30324, 30325, 30326, 30327, 30328, 30329, 30331, 30332, 30333, 30334, 30336, 30337, 30338, 30339, 30340, 30341, 30342, 30343, 30344, 30345, 30346, 30348, 30349, 30350, 30353, 30354, 30355, 30356, 30357, 30358, 30359, 30360, 30361, 30362, 30363, 30364, 30366, 30368, 30369, 30370, 30371, 30374, 30375, 30377, 30378, 30380, 30384, 30385, 30388, 30392, 30394, 30396, 30398, 30515, 30518, 30519, 31106, 31107, 31119, 31126, 31131, 31136, 31139, 31141, 31145, 31146, 31150, 31156, 31169, 31192, 31193, 31195, 31196, 39901
ALBANY, GA BAH Rates
Military Housing Area: GA072
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,296 | $1,041 |
| E02 | $1,296 | $1,041 |
| E03 | $1,296 | $1,041 |
| E04 | $1,296 | $1,041 |
| E05 | $1,332 | $1,176 |
| E06 | $1,452 | $1,260 |
| E07 | $1,596 | $1,302 |
| E08 | $1,755 | $1,362 |
| E09 | $1,956 | $1,467 |
| W01 | $1,467 | $1,299 |
| W02 | $1,662 | $1,359 |
| W03 | $1,857 | $1,470 |
| W04 | $1,995 | $1,515 |
| W05 | $2,160 | $1,665 |
| O01E | $1,620 | $1,329 |
| O02E | $1,830 | $1,377 |
| O03E | $2,016 | $1,512 |
| O01 | $1,356 | $1,257 |
| O02 | $1,449 | $1,326 |
| O03 | $1,851 | $1,473 |
| O04 | $2,217 | $1,662 |
| O05 | $2,469 | $1,851 |
| O06 | $2,490 | $1,869 |
| O07 | $2,508 | $1,881 |
BAH for ALBANY, GA includes the following zip codes: 31701, 31702, 31703, 31704, 31705, 31706, 31707, 31708, 31721, 31763, 31782, 31787
FORT EISENHOWER, GA BAH Rates
Military Housing Area: GA073
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,719 | $1,431 |
| E02 | $1,719 | $1,431 |
| E03 | $1,719 | $1,431 |
| E04 | $1,719 | $1,431 |
| E05 | $1,785 | $1,566 |
| E06 | $2,028 | $1,650 |
| E07 | $2,052 | $1,716 |
| E08 | $2,079 | $1,839 |
| E09 | $2,181 | $1,902 |
| W01 | $2,001 | $1,659 |
| W02 | $2,055 | $1,827 |
| W03 | $2,127 | $1,887 |
| W04 | $2,253 | $1,986 |
| W05 | $2,412 | $2,046 |
| O01E | $2,037 | $1,782 |
| O02E | $2,115 | $1,866 |
| O03E | $2,277 | $1,974 |
| O01 | $1,818 | $1,575 |
| O02 | $1,980 | $1,755 |
| O03 | $2,124 | $1,908 |
| O04 | $2,463 | $2,028 |
| O05 | $2,706 | $2,055 |
| O06 | $2,730 | $2,079 |
| O07 | $2,858 | $2,115 |
BAH for FORT EISENHOWER, GA includes the following zip codes: 29105, 29137, 29164, 29801, 29802, 29803, 29804, 29805, 29808, 29809, 29816, 29822, 29828, 29829, 29831, 29834, 29839, 29841, 29842, 29850, 29851, 29856, 29860, 29861, 30802, 30805, 30809, 30812, 30813, 30814, 30815, 30901, 30903, 30904, 30905, 30906, 30907, 30909, 30912, 30914, 30916, 30917, 30919, 30999
KINGS BAY/BRUNSWICK, GA BAH Rates
Military Housing Area: GA074
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,013 | $1,644 |
| E02 | $2,013 | $1,644 |
| E03 | $2,013 | $1,644 |
| E04 | $2,013 | $1,644 |
| E05 | $2,067 | $1,845 |
| E06 | $2,202 | $1,962 |
| E07 | $2,238 | $2,013 |
| E08 | $2,280 | $2,100 |
| E09 | $2,388 | $2,127 |
| W01 | $2,277 | $2,010 |
| W02 | $2,256 | $2,097 |
| W03 | $2,310 | $2,133 |
| W04 | $2,421 | $2,202 |
| W05 | $2,559 | $2,247 |
| O01E | $2,241 | $2,064 |
| O02E | $2,301 | $2,118 |
| O03E | $2,439 | $2,190 |
| O01 | $2,091 | $1,959 |
| O02 | $2,199 | $2,052 |
| O03 | $2,307 | $2,148 |
| O04 | $2,604 | $2,232 |
| O05 | $2,814 | $2,253 |
| O06 | $2,874 | $2,466 |
| O07 | $2,895 | $2,511 |
BAH for KINGS BAY/BRUNSWICK, GA includes the following zip codes: 31520, 31521, 31522, 31523, 31524, 31525, 31527, 31547, 31548, 31558, 31561, 31565, 31568, 31569, 32009, 32011, 32034, 32035, 32041, 32046, 32097
FORT MOORE, GA BAH Rates
Military Housing Area: GA075
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,590 | $1,308 |
| E02 | $1,590 | $1,308 |
| E03 | $1,590 | $1,308 |
| E04 | $1,590 | $1,308 |
| E05 | $1,665 | $1,434 |
| E06 | $1,860 | $1,515 |
| E07 | $1,893 | $1,590 |
| E08 | $1,929 | $1,710 |
| E09 | $2,019 | $1,755 |
| W01 | $1,878 | $1,578 |
| W02 | $1,908 | $1,707 |
| W03 | $1,959 | $1,764 |
| W04 | $2,046 | $1,860 |
| W05 | $2,157 | $1,902 |
| O01E | $2,331 | $2,160 |
| O02E | $2,427 | $2,199 |
| O03E | $2,580 | $2,250 |
| O01 | $2,184 | $1,911 |
| O02 | $2,259 | $2,127 |
| O03 | $2,436 | $2,220 |
| O04 | $2,757 | $2,319 |
| O05 | $2,985 | $2,355 |
| O06 | $3,009 | $2,421 |
| O07 | $3,033 | $2,463 |
BAH for FORT MOORE, GA includes the following zip codes: 31804, 31805, 31807, 31808, 31811, 31814, 31815, 31820, 31821, 31822, 31823, 31825, 31826, 31829, 31831, 31901, 31902, 31903, 31904, 31905, 31906, 31907, 31908, 31909, 31914, 31917, 31993, 31995, 31997, 31998, 31999, 36851, 36856, 36858, 36859, 36860, 36867, 36868, 36869, 36871, 36875
ROBINS AFB, GA BAH Rates
Military Housing Area: GA076
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,683 | $1,335 |
| E02 | $1,683 | $1,335 |
| E03 | $1,683 | $1,335 |
| E04 | $1,683 | $1,335 |
| E05 | $1,785 | $1,488 |
| E06 | $1,983 | $1,584 |
| E07 | $2,034 | $1,683 |
| E08 | $2,088 | $1,830 |
| E09 | $2,217 | $1,878 |
| W01 | $2,001 | $1,659 |
| W02 | $2,055 | $1,827 |
| W03 | $2,127 | $1,887 |
| W04 | $2,253 | $1,986 |
| W05 | $2,412 | $2,046 |
| O01E | $2,037 | $1,782 |
| O02E | $2,115 | $1,866 |
| O03E | $2,277 | $1,974 |
| O01 | $1,818 | $1,575 |
| O02 | $1,980 | $1,755 |
| O03 | $2,124 | $1,908 |
| O04 | $2,463 | $2,028 |
| O05 | $2,706 | $2,055 |
| O06 | $2,730 | $2,079 |
| O07 | $2,748 | $2,142 |
BAH for ROBINS AFB, GA includes the following zip codes: 31005, 31008, 31013, 31025, 31028, 31030, 31047, 31052, 31069, 31088, 31093, 31095, 31098, 31099, 31201, 31202, 31203, 31204, 31205, 31206, 31207, 31208, 31209, 31210, 31211, 31213, 31216, 31217, 31220, 31221, 31294, 31295, 31296, 31297
SAVANNAH, GA BAH Rates
Military Housing Area: GA077
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,181 | $1,788 |
| E02 | $2,181 | $1,788 |
| E03 | $2,181 | $1,788 |
| E04 | $2,181 | $1,788 |
| E05 | $2,340 | $1,935 |
| E06 | $2,556 | $2,037 |
| E07 | $2,583 | $2,187 |
| E08 | $2,610 | $2,388 |
| E09 | $2,712 | $2,442 |
| W01 | $2,574 | $2,139 |
| W02 | $2,595 | $2,385 |
| W03 | $2,637 | $2,451 |
| W04 | $2,742 | $2,556 |
| W05 | $2,877 | $2,589 |
| O01E | $2,586 | $2,337 |
| O02E | $2,628 | $2,430 |
| O03E | $2,760 | $2,547 |
| O01 | $2,373 | $2,022 |
| O02 | $2,553 | $2,292 |
| O03 | $2,634 | $2,475 |
| O04 | $2,922 | $2,574 |
| O05 | $3,129 | $2,592 |
| O06 | $3,156 | $2,613 |
| O07 | $3,180 | $2,661 |
BAH for SAVANNAH, GA includes the following zip codes: 31302, 31322, 31328, 31401, 31402, 31403, 31404, 31405, 31406, 31407, 31408, 31409, 31410, 31411, 31412, 31414, 31415, 31416, 31418, 31419, 31420, 31421
DAHLONEGA, GA BAH Rates
Military Housing Area: GA079
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,043 | $1,704 |
| E02 | $2,043 | $1,704 |
| E03 | $2,043 | $1,704 |
| E04 | $2,043 | $1,704 |
| E05 | $2,103 | $1,878 |
| E06 | $2,379 | $1,983 |
| E07 | $2,418 | $2,043 |
| E08 | $2,457 | $2,163 |
| E09 | $2,544 | $2,238 |
| W01 | $2,397 | $2,037 |
| W02 | $2,433 | $2,160 |
| W03 | $2,490 | $2,247 |
| W04 | $2,568 | $2,382 |
| W05 | $2,667 | $2,427 |
| O01E | $2,421 | $2,100 |
| O02E | $2,478 | $2,220 |
| O03E | $2,580 | $2,370 |
| O01 | $2,145 | $1,980 |
| O02 | $2,376 | $2,088 |
| O03 | $2,487 | $2,277 |
| O04 | $2,700 | $2,412 |
| O05 | $2,850 | $2,430 |
| O06 | $2,874 | $2,466 |
| O07 | $2,895 | $2,511 |
BAH for DAHLONEGA, GA includes the following zip codes: 30501, 30502, 30503, 30504, 30506, 30507, 30527, 30533, 30534, 30542, 30543, 30554, 30564, 30566, 30597
FORT STEWART, GA BAH Rates
Military Housing Area: GA080
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,040 | $1,680 |
| E02 | $2,040 | $1,680 |
| E03 | $2,040 | $1,680 |
| E04 | $2,040 | $1,680 |
| E05 | $2,163 | $1,824 |
| E06 | $2,262 | $1,923 |
| E07 | $2,322 | $2,043 |
| E08 | $2,391 | $2,190 |
| E09 | $2,526 | $2,205 |
| W01 | $2,277 | $2,010 |
| W02 | $2,352 | $2,187 |
| W03 | $2,439 | $2,211 |
| W04 | $2,559 | $2,268 |
| W05 | $2,709 | $2,337 |
| O01E | $2,331 | $2,064 |
| O02E | $2,427 | $2,199 |
| O03E | $2,580 | $2,250 |
| O01 | $2,184 | $1,911 |
| O02 | $2,259 | $2,127 |
| O03 | $2,436 | $2,220 |
| O04 | $2,757 | $2,319 |
| O05 | $2,985 | $2,355 |
| O06 | $3,009 | $2,421 |
| O07 | $3,033 | $2,463 |
BAH for FORT STEWART, GA includes the following zip codes: 31301, 31308, 31309, 31310, 31313, 31314, 31315, 31316, 31320, 31321, 31323, 31324, 31333
MOODY AFB, GA BAH Rates
Military Housing Area: GA081
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,392 | $1,245 |
| E02 | $1,392 | $1,245 |
| E03 | $1,392 | $1,245 |
| E04 | $1,392 | $1,245 |
| E05 | $1,410 | $1,320 |
| E06 | $1,704 | $1,374 |
| E07 | $1,758 | $1,404 |
| E08 | $1,815 | $1,473 |
| E09 | $1,941 | $1,554 |
| W01 | $1,722 | $1,401 |
| W02 | $1,782 | $1,470 |
| W03 | $1,857 | $1,566 |
| W04 | $1,974 | $1,710 |
| W05 | $2,121 | $1,770 |
| O01E | $1,764 | $1,410 |
| O02E | $1,845 | $1,533 |
| O03E | $1,995 | $1,695 |
| O01 | $1,452 | $1,371 |
| O02 | $1,701 | $1,407 |
| O03 | $1,854 | $1,596 |
| O04 | $2,169 | $1,755 |
| O05 | $2,391 | $1,794 |
| O06 | $2,412 | $1,836 |
| O07 | $2,430 | $1,866 |
BAH for MOODY AFB, GA includes the following zip codes: 31601, 31602, 31603, 31604, 31605, 31606, 31620, 31622, 31625, 31627, 31629, 31632, 31635, 31636, 31637, 31638, 31639, 31641, 31643, 31645, 31647, 31649, 31698, 31699, 31720, 31749
2026 BAH FAQs for Georgia
How much did BAH increase in Georgia for 2026?
BAH in Georgia rose by about 5.4% in 2026, with the largest increases in Savannah, Columbus, and Warner Robins areas.
Where is BAH highest in Georgia?
The highest BAH rates are typically near Kings Bay NSB, Savannah, and metro Atlanta ZIP codes.
What is BAH for an E-5 with dependents at Fort Stewart?
As of 2026, an E-5 with dependents near Fort Stewart receives approximately $1,974/month.
Does BAH cover rent in Georgia?
In most areas, yes. BAH fully covers rent near Robins AFB and Fort Moore, while urban areas may require slight out-of-pocket costs.
Is BAH taxable in Georgia?
No. BAH is a non-taxable housing allowance benefit and is not included in state or federal income.
Can single members receive BAH in Georgia?
Yes. Single members living off base or without access to quarters can receive BAH.
When are BAH rates updated?
BAH rates are reviewed annually by the Department of Defense and go into effect each January.
Can BAH be used as income for a VA loan?
Yes. BAH is counted as stable income when qualifying for a VA or conventional mortgage.
What is the MHA for Fort Moore (Fort Benning)?
Fort Moore falls under MHA GA071, covering Columbus and surrounding ZIP codes.
What factors impact how much BAH I get in Georgia?
Your ZIP code, rank, and dependency status all directly affect your BAH rate in the state of Georgia.
