2026 BAH Rates in Indiana – ZIP Code Housing Allowance
The 2026 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 2026, 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.
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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.
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 2026 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
| Grade | With Dependents | Without 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
| Grade | With Dependents | Without 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
| Grade | With Dependents | Without 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
| Grade | With Dependents | Without 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
2026 BAH FAQs for Indiana
How much did BAH increase in Indiana for 2026?
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?
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?
As of 2026, an E-5 with dependents near Grissom ARB receives approximately $1,821/month in BAH.
Does BAH cover full rent in Indiana?
Yes, in most areas BAH will cover your full rent and often basic utilities as well.
Is BAH considered taxable income?
No. BAH is a non-taxable military benefit and is not reported on tax returns.
Do single service members receive BAH in Indiana?
Yes, if authorized to live off base or when government quarters are not available.
When are BAH rates updated?
The DoD reviews BAH rates annually, with changes going into effect each January.
What MHA is Grissom ARB in?
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?
Yes. Lenders count BAH as stable, recurring income when applying for a mortgage.
Is BAH the same across Indiana?
No. BAH varies by ZIP code and is adjusted to match local housing costs.
