2025 BAH Rates in Kansas – ZIP Code Housing Allowance
The 2025 Basic Allowance for Housing (BAH) rates in Kansas are now available. These tax-free monthly allowances help active-duty military members cover off-base housing costs based on ZIP code, rank, and dependent status. Whether you’re assigned to Fort Riley, Fort Leavenworth, or McConnell AFB in Wichita, you’ll find your current rates below.
Kansas BAH rates rose by an average of 5.4% in 2025. Some of the biggest adjustments were seen near Manhattan, Leavenworth, and Wichita. You can see national trends on our military housing allowance update page, or explore local VA loan options in our Kansas VA loan guide.
See how much home your BAH can buy
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What is the Basic Allowance for Housing (BAH)?
BAH is a monthly, tax-free housing allowance provided to active-duty service members to help cover the cost of off-base housing. In Kansas, it supports military families living in civilian areas near installations like Fort Riley, Fort Leavenworth, and McConnell Air Force Base.
These allowances vary by location and are calculated annually using ZIP code-level housing data.
How BAH Rates Are Calculated
- Location: ZIP codes like 66502 (Manhattan), 66027 (Leavenworth), and 67210 (Wichita) all have distinct housing costs.
- Rank: Your pay grade impacts your BAH amount — higher ranks receive larger allowances.
- Dependents: Members with dependents qualify for higher rates to reflect family housing needs.
How to Read the BAH Charts
- Locate your base’s ZIP code or assigned MHA
- Find your rank or pay grade (e.g., E-5, O-3)
- Check the rate for with or without dependents
How to Use Your BAH to Buy a Home
Rather than putting BAH toward rent, many service members in Kansas use it to qualify for a VA home loan. In towns like Manhattan or Wichita, your housing allowance may be enough to cover most — or even all — of a monthly mortgage.
VA loans offer major advantages for military buyers:
- No down payment required in most cases
- No private mortgage insurance (PMI) — ever
- Lenient credit score guidelines compared to other loan types
- Lower average interest rates than most conventional options
- Use your BAH to cover some or all of your mortgage payment
Whether you’re active-duty or planning to retire in Kansas, using your housing allowance to build equity may be your best long-term move.
Kansas Housing Costs & BAH Impact
Kansas remains one of the most affordable states for military housing. BAH in areas like Fort Riley and Fort Leavenworth often covers the full cost of rent and utilities. In growing metro areas such as Wichita, rental rates have crept up slightly, and 2025 BAH rates reflect that. Overall, service members in Kansas receive reliable housing support whether stationed near a large installation or in a more rural area.
BAH Rates for Fort Riley, KS (MHA: KS100)
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,206 | $987 |
| E02 | $1,206 | $987 |
| E03 | $1,206 | $987 |
| E04 | $1,206 | $987 |
| E05 | $1,269 | $1,080 |
| E06 | $1,665 | $1,248 |
| E07 | $1,719 | $1,290 |
| E08 | $1,773 | $1,353 |
| E09 | $1,872 | $1,464 |
| W01 | $1,683 | $1,263 |
| W02 | $1,740 | $1,350 |
| W03 | $1,812 | $1,479 |
| W04 | $1,899 | $1,671 |
| W05 | $2,007 | $1,728 |
| O01E | $1,722 | $1,296 |
| O02E | $1,800 | $1,440 |
| O03E | $1,911 | $1,656 |
| O01 | $1,323 | $1,140 |
| O02 | $1,662 | $1,293 |
| O03 | $1,809 | $1,521 |
| O04 | $2,040 | $1,713 |
| O05 | $2,205 | $1,740 |
| O06 | $2,223 | $1,791 |
| O07 | $2,238 | $1,821 |
BAH Rates for Wichita/McConnell AFB, KS (MHA: KS101)
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,254 | $1,026 |
| E02 | $1,254 | $1,026 |
| E03 | $1,254 | $1,026 |
| E04 | $1,254 | $1,026 |
| E05 | $1,308 | $1,131 |
| E06 | $1,608 | $1,203 |
| E07 | $1,686 | $1,266 |
| E08 | $1,770 | $1,371 |
| E09 | $1,899 | $1,455 |
| W01 | $1,626 | $1,251 |
| W02 | $1,722 | $1,368 |
| W03 | $1,827 | $1,467 |
| W04 | $1,929 | $1,620 |
| W05 | $2,058 | $1,704 |
| O01E | $1,698 | $1,305 |
| O02E | $1,812 | $1,434 |
| O03E | $1,947 | $1,599 |
| O01 | $1,350 | $1,197 |
| O02 | $1,605 | $1,293 |
| O03 | $1,824 | $1,497 |
| O04 | $2,100 | $1,686 |
| O05 | $2,295 | $1,728 |
| O06 | $2,313 | $1,806 |
| O07 | $2,328 | $1,839 |
BAH Rates for Fort Leavenworth, KS (MHA: KS102)
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,680 | $1,347 |
| E02 | $1,680 | $1,347 |
| E03 | $1,680 | $1,347 |
| E04 | $1,680 | $1,347 |
| E05 | $1,761 | $1,503 |
| E06 | $2,037 | $1,599 |
| E07 | $2,112 | $1,677 |
| E08 | $2,190 | $1,821 |
| E09 | $2,274 | $1,893 |
| W01 | $2,055 | $1,665 |
| W02 | $2,145 | $1,818 |
| W03 | $2,244 | $1,905 |
| W04 | $2,289 | $2,049 |
| W05 | $2,346 | $2,130 |
| O01E | $2,121 | $1,758 |
| O02E | $2,229 | $1,878 |
| O03E | $2,295 | $2,028 |
| O01 | $1,800 | $1,593 |
| O02 | $2,034 | $1,737 |
| O03 | $2,241 | $1,935 |
| O04 | $2,361 | $2,109 |
| O05 | $2,442 | $2,151 |
| O06 | $2,463 | $2,223 |
| O07 | $2,481 | $2,262 |
BAH Rates for Topeka, KS (MHA: KS105)
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,353 | $1,020 |
| E02 | $1,353 | $1,020 |
| E03 | $1,353 | $1,020 |
| E04 | $1,353 | $1,020 |
| E05 | $1,515 | $1,137 |
| E06 | $1,740 | $1,302 |
| E07 | $1,803 | $1,359 |
| E08 | $1,869 | $1,566 |
| E09 | $1,998 | $1,623 |
| W01 | $1,758 | $1,320 |
| W02 | $1,830 | $1,563 |
| W03 | $1,917 | $1,632 |
| W04 | $2,034 | $1,749 |
| W05 | $2,178 | $1,818 |
| O01E | $1,809 | $1,512 |
| O02E | $1,905 | $1,611 |
| O03E | $2,052 | $1,731 |
| O01 | $1,551 | $1,188 |
| O02 | $1,737 | $1,467 |
| O03 | $1,914 | $1,656 |
| O04 | $2,226 | $1,800 |
| O05 | $2,448 | $1,836 |
| O06 | $2,466 | $1,896 |
| O07 | $2,484 | $1,929 |
2025 BAH FAQs for Kansas
How much did BAH increase in Kansas for 2025?
BAH rose by an average of 5.4% statewide, with the most noticeable increases near Fort Riley and Leavenworth.
Where is BAH highest in Kansas?
BAH is typically highest in ZIP codes near Fort Leavenworth and parts of the Wichita metro area.
What is the BAH for an E-5 with dependents at Fort Riley?
In 2025, an E-5 with dependents stationed at Fort Riley receives approximately $2,112/month in BAH.
Is BAH enough to cover rent in Kansas?
Yes. BAH usually covers rent in most areas, and in rural ZIPs, it may exceed the average monthly housing cost.
Do all service members qualify for BAH?
Yes, if you’re living off base or if on-base housing is not available.
Is BAH taxable in Kansas?
No. BAH is a tax-exempt housing allowance and not reported as income on federal or state taxes.
Can I use BAH to qualify for a mortgage?
Yes. BAH is counted as stable income and helps many military buyers get pre-approved.
What is the MHA for Fort Leavenworth?
Fort Leavenworth is part of MHA KS122 and includes ZIP code 66027 and surrounding areas.
When are BAH rates adjusted?
BAH rates are updated annually and take effect each January.
Do BAH rates vary by city in Kansas?
Yes. BAH is calculated by ZIP code, so allowances differ across the state.
