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2025 BAH Rates in Indiana – ZIP Code Housing Allowance

The 2025 Basic Allowance for Housing (BAH) rates in Indiana are now live. These tax-free payments help active-duty military members cover off-base housing costs based on ZIP code, rank, and dependency status. Whether you’re stationed at Grissom Air Reserve Base, Naval Support Activity Crane, or Camp Atterbury, the charts below show your updated rate.

Indiana’s BAH rates rose by an average of 5.4% in 2025, reflecting rental increases in areas near Bloomington, Peru, and rural military communities. See the national trend on our military housing allowance update page, or explore your VA loan benefits in our Indiana VA loan guide.

Use Your BAH to Qualify for a VA Loan

View BAH Rates in:

Indianapolis
Fort Wayne
Terre Haute
Bloomington

In this Article

  • How to Use Your BAH to Buy a Home
  • INDIANAPOLIS, IN BAH Rates
  • FORT WAYNE, IN BAH Rates
  • TERRE HAUTE, IN BAH Rates
  • BLOOMINGTON, IN BAH Rates
  • 2025 BAH FAQs for Indiana

How to Use Your BAH to Buy a Home

BAH isn’t just a housing allowance — it’s an opportunity. In places like Indiana, your BAH may fully cover a mortgage, not just rent. That’s why many service members choose to apply it toward a VA home loan instead of renewing another lease.

With a VA loan, you get key advantages:

  • $0 down payment required for most qualified buyers
  • No monthly PMI (private mortgage insurance)
  • Lenient credit score guidelines compared to conventional loans
  • Lower VA interest rates than many other loan types
  • Use BAH to offset or fully cover your mortgage payment

Whether you’re stationed at Grissom ARB or planning long-term roots in Indiana, using your BAH toward homeownership could put you ahead.

See how much home your BAH can buy

What is the Basic Allowance for Housing (BAH)?

BAH is a monthly, tax-free housing benefit paid to active-duty military members who live off base. It helps cover rent and housing costs in civilian communities near duty stations. In Indiana, this is especially valuable for those stationed in small or rural towns without government quarters.

Rates are updated annually by the Department of Defense to reflect local rent trends. Below are the latest 2025 figures for all covered ZIP codes in Indiana.

How BAH Rates Are Determined

  • Location: ZIP codes like 46970 (Grissom ARB) and 47522 (Crane NSWC) each have different rent profiles.
  • Rank: Higher-ranking members receive larger allowances based on expected housing needs.
  • Dependents: Service members with dependents receive higher BAH to help cover family housing costs.

How to Use the BAH Charts

  • Look up your ZIP code or MHA
  • Choose your pay grade (E-4, O-3, etc.)
  • Select with or without dependents

INDIANAPOLIS, IN BAH Rates

Military Housing Area: IN094

GradeWith DependentsWithout Dependents
E01$1,716$1,356
E02$1,716$1,356
E03$1,716$1,356
E04$1,716$1,356
E05$1,860$1,491
E06$2,085$1,584
E07$2,106$1,719
E08$2,118$1,908
E09$2,178$1,965
W01$2,103$1,680
W02$2,112$1,905
W03$2,136$1,977
W04$2,196$2,082
W05$2,280$2,103
O01E$2,109$1,857
O02E$2,130$1,953
O03E$2,208$2,076
O01$1,893$1,572
O02$2,082$1,815
O03$2,133$2,001
O04$2,304$2,091
O05$2,421$2,106
O06$2,442$2,112
O07$2,460$2,151

BAH for INDIANAPOLIS, IN includes the following zip codes: 46030, 46031, 46032, 46033, 46034, 46037, 46038, 46040, 46055, 46060, 46061, 46062, 46069, 46074, 46082, 46085, 46103, 46106, 46107, 46110, 46111, 46112, 46113, 46117, 46118, 46122, 46123, 46124, 46125, 46126, 46129, 46130, 46131, 46140, 46142, 46143, 46144, 46149, 46151, 46154, 46157, 46158, 46160, 46161, 46162, 46163, 46164, 46165, 46166, 46167, 46168, 46176, 46180, 46181, 46182, 46183, 46184, 46186, 46201, 46202, 46203, 46204, 46205, 46206, 46207, 46208, 46209, 46213, 46214, 46216, 46217, 46218, 46219, 46220, 46221, 46222, 46224, 46225, 46226, 46227, 46228, 46229, 46230, 46231, 46234, 46235, 46236, 46237, 46239, 46240, 46241, 46242, 46244, 46247, 46249, 46250, 46251, 46253, 46254, 46255, 46256, 46259, 46260, 46262, 46268, 46277, 46278, 46280, 46282, 46283, 46285, 46288, 46290, 46298, 47234

FORT WAYNE, IN BAH Rates

Military Housing Area: IN097

GradeWith DependentsWithout Dependents
E01$1,668$1,251
E02$1,668$1,251
E03$1,668$1,251
E04$1,668$1,251
E05$1,836$1,398
E06$1,986$1,515
E07$2,031$1,674
E08$2,076$1,872
E09$2,211$1,905
W01$2,001$1,623
W02$2,049$1,869
W03$2,112$1,911
W04$2,250$1,989
W05$2,418$2,040
O01E$2,034$1,833
O02E$2,103$1,896
O03E$2,274$1,974
O01$1,860$1,500
O02$1,983$1,782
O03$2,109$1,926
O04$2,475$2,025
O05$2,736$2,052
O06$2,760$2,091
O07$2,778$2,127

BAH for FORT WAYNE, IN includes the following zip codes: 46704, 46741, 46743, 46745, 46748, 46765, 46773, 46774, 46788, 46797, 46798, 46799, 46801, 46802, 46803, 46804, 46805, 46806, 46807, 46808, 46809, 46814, 46815, 46816, 46818, 46819, 46825, 46835, 46845, 46850, 46851, 46852, 46853, 46854, 46855, 46856, 46857, 46858, 46859, 46860, 46861, 46862, 46863, 46864, 46865, 46866, 46867, 46868, 46869, 46885, 46895, 46896, 46897, 46898, 46899

TERRE HAUTE, IN BAH Rates

Military Housing Area: IN338

GradeWith DependentsWithout Dependents
E01$1,314$1,041
E02$1,314$1,041
E03$1,314$1,041
E04$1,314$1,041
E05$1,377$1,170
E06$1,578$1,251
E07$1,635$1,314
E08$1,695$1,425
E09$1,830$1,473
W01$1,596$1,305
W02$1,662$1,422
W03$1,740$1,482
W04$1,866$1,584
W05$2,022$1,650
O01E$1,641$1,374
O02E$1,728$1,461
O03E$1,887$1,569
O01$1,410$1,248
O02$1,575$1,362
O03$1,737$1,503
O04$2,073$1,632
O05$2,313$1,734
O06$2,331$1,749
O07$2,346$1,761

BAH for TERRE HAUTE, IN includes the following zip codes: 47801, 47802, 47803, 47804, 47805, 47807, 47808, 47809, 47833, 47834, 47837, 47840, 47841, 47845, 47846, 47851, 47853, 47857, 47858, 47863, 47866, 47869, 47870, 47871, 47876, 47878, 47880, 47881, 47885

BLOOMINGTON, IN BAH Rates

Military Housing Area: IN399

GradeWith DependentsWithout Dependents
E01$1,647$1,236
E02$1,647$1,236
E03$1,647$1,236
E04$1,647$1,236
E05$1,785$1,392
E06$1,854$1,521
E07$2,034$1,650
E08$2,229$1,806
E09$2,481$1,860
W01$1,869$1,611
W02$2,115$1,803
W03$2,358$1,863
W04$2,529$1,923
W05$2,736$2,109
O01E$2,067$1,782
O02E$2,325$1,809
O03E$2,559$1,920
O01$1,803$1,509
O02$1,851$1,743
O03$2,349$1,866
O04$2,808$2,106
O05$3,129$2,346
O06$3,156$2,367
O07$3,180$2,385

BAH for BLOOMINGTON, IN includes the following zip codes: 47401, 47402, 47403, 47404, 47405, 47406, 47407, 47408, 47424, 47426, 47429, 47433, 47434, 47438, 47441, 47443, 47445, 47449, 47453, 47457, 47458, 47459, 47463, 47464, 47465, 47468, 47471, 47522

2025 BAH FAQs for Indiana

How much did BAH increase in Indiana for 2025? Copied!


BAH rates in Indiana rose by about 5.4%, keeping up with local rental growth around Grissom ARB and NSWC Crane.

Which areas have the highest BAH in Indiana? Copied!


ZIP codes near NSWC Crane and the Indianapolis metro area typically have the highest BAH.

What’s the BAH for an E-5 with dependents at Grissom ARB? Copied!


As of 2025, an E-5 with dependents near Grissom ARB receives approximately $1,821/month in BAH.

Does BAH cover full rent in Indiana? Copied!


Yes, in most areas BAH will cover your full rent and often basic utilities as well.

Is BAH considered taxable income? Copied!


No. BAH is a non-taxable military benefit and is not reported on tax returns.

Do single service members receive BAH in Indiana? Copied!


Yes, if authorized to live off base or when government quarters are not available.

When are BAH rates updated? Copied!


The DoD reviews BAH rates annually, with changes going into effect each January.

What MHA is Grissom ARB in? Copied!


Grissom ARB is part of MHA IN134, which includes ZIP code 46970 and surrounding areas.

Can I use BAH to qualify for a VA loan? Copied!


Yes. Lenders count BAH as stable, recurring income when applying for a mortgage.

Is BAH the same across Indiana? Copied!


No. BAH varies by ZIP code and is adjusted to match local housing costs.

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Grissom Air Reserve BaseGrissom Air Reserve Base Aviator Retention BonusAviator Retention Bonus: Understanding Its Impact and Benefits california bah rates2025 California BAH Rates | San Diego, Travis AFB, Pendleton Dobbins Air Reserve BaseDobbins Air Reserve Base Indiana va loan guideComplete VA Loan Program Guide for Indiana 2025 Georgia bah rates2025 Georgia BAH Rates | Fort Moore, Stewart, Robins AFB

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