2026 BAH Rates in Maryland – ZIP Code Housing Allowance
The 2026 Basic Allowance for Housing (BAH) rates in Maryland are now live. This monthly, tax-free housing benefit helps military personnel pay for off-base housing based on ZIP code, rank, and dependent status. Whether you’re assigned to Fort Meade, Joint Base Andrews, or Aberdeen Proving Ground, your updated rates are listed below.
BAH rates in Maryland saw notable increases in 2026, particularly in the Washington, D.C. metro area and surrounding ZIP codes like 20755, 21005, and 20762. You can track national BAH trends on our military BAH rates page, or explore local benefits in our Maryland VA loan guide.
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What is the Basic Allowance for Housing (BAH)?
BAH is a monthly, tax-free housing stipend provided to active-duty military personnel who live off base. It’s designed to help cover rent and housing costs near military installations such as Fort Meade, JBA, and Aberdeen Proving Ground.
How BAH Rates Are Calculated
- Location: ZIP codes like 20755 (Fort Meade), 20762 (Joint Base Andrews), and 21005 (Aberdeen) are priced using local housing market data.
- Rank: Service members at higher ranks receive more substantial housing allowances.
- Dependents: Those with dependents receive a larger BAH amount to accommodate family housing needs.
How to Read the BAH Charts
- Find your duty station’s ZIP code or MHA (Military Housing Area)
- Match your rank/pay grade (e.g., E-6, O-3)
- Select “with” or “without dependents” to view your rate
How to Use Your BAH to Buy a Home
Many service members stationed in Maryland decide to use their BAH toward homeownership through a VA loan. With strong long-term demand in cities like Odenton, Waldorf, and Laurel, putting your housing allowance toward a mortgage may be smarter than renting.
Benefits of VA loans in Maryland include:
With Maryland’s real estate market continuing to appreciate, using BAH to buy instead of rent may help you build equity while still serving.
Maryland Housing Costs & BAH Impact
Maryland’s housing market ranges from suburban affordability in areas like Harford County and Charles County to high-cost zones near Washington, D.C. and Annapolis. In 2026, BAH rates rose sharply in commuter ZIPs near Fort Meade, Joint Base Andrews, and NSA. Military families stationed in Maryland often find that BAH covers most or all of their rent — particularly in outer counties or shared housing setups.
ABERDEEN PROVING GROUNDS, MD BAH Rates
Military Housing Area: MD127
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,199 | $1,848 |
| E02 | $2,199 | $1,848 |
| E03 | $2,199 | $1,848 |
| E04 | $2,199 | $1,848 |
| E05 | $2,379 | $1,953 |
| E06 | $2,622 | $2,037 |
| E07 | $2,736 | $2,205 |
| E08 | $2,856 | $2,433 |
| E09 | $3,021 | $2,496 |
| W01 | $2,640 | $2,148 |
| W02 | $2,787 | $2,430 |
| W03 | $2,937 | $2,505 |
| W04 | $3,057 | $2,643 |
| W05 | $3,201 | $2,763 |
| O01E | $2,754 | $2,376 |
| O02E | $2,916 | $2,481 |
| O03E | $3,075 | $2,613 |
| O01 | $2,415 | $2,019 |
| O02 | $2,619 | $2,322 |
| O03 | $2,934 | $2,532 |
| O04 | $3,249 | $2,736 |
| O05 | $3,471 | $2,805 |
| O06 | $3,501 | $2,919 |
| O07 | $3,528 | $2,973 |
BAH for ABERDEEN PROVING GROUNDS, MD includes the following zip codes: 21001, 21005, 21009, 21010, 21014, 21015, 21017, 21018, 21028, 21034, 21040, 21047, 21050, 21078, 21084, 21085, 21130, 21132, 21154, 21160, 21161, 21901, 21902, 21903, 21904, 21911, 21912, 21913, 21914, 21915, 21916, 21917, 21918, 21919, 21920, 21921, 21922, 21930
ANNAPOLIS, MD BAH Rates
Military Housing Area: MD128
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,709 | $2,256 |
| E02 | $2,709 | $2,256 |
| E03 | $2,709 | $2,256 |
| E04 | $2,709 | $2,256 |
| E05 | $2,859 | $2,550 |
| E06 | $3,168 | $2,571 |
| E07 | $3,210 | $2,715 |
| E08 | $3,255 | $2,925 |
| E09 | $3,399 | $3,009 |
| W01 | $3,186 | $2,670 |
| W02 | $3,231 | $2,922 |
| W03 | $3,288 | $3,024 |
| W04 | $3,444 | $3,171 |
| W05 | $3,633 | $3,219 |
| O01E | $3,213 | $2,856 |
| O02E | $3,279 | $2,991 |
| O03E | $3,471 | $3,159 |
| O01 | $2,904 | $2,556 |
| O02 | $3,165 | $2,814 |
| O03 | $3,285 | $3,054 |
| O04 | $3,699 | $3,204 |
| O05 | $3,993 | $3,225 |
| O06 | $4,029 | $3,267 |
| O07 | $4,062 | $3,327 |
BAH for ANNAPOLIS, MD includes the following zip codes: 20711, 20733, 20751, 20758, 20764, 20765, 20776, 20778, 20779, 21012, 21032, 21035, 21037, 21056, 21060, 21062, 21106, 21122, 21123, 21140, 21146, 21225, 21226, 21401, 21402, 21403, 21404, 21405, 21409, 21411, 21412
» MORE: Check your VA home loan eligibility with today’s top lenders
BALTIMORE, MD BAH Rates
Military Housing Area: MD129
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,352 | $1,824 |
| E02 | $2,352 | $1,824 |
| E03 | $2,352 | $1,824 |
| E04 | $2,352 | $1,824 |
| E05 | $2,544 | $2,037 |
| E06 | $2,802 | $2,175 |
| E07 | $2,877 | $2,358 |
| E08 | $2,955 | $2,601 |
| E09 | $3,102 | $2,667 |
| W01 | $2,817 | $2,295 |
| W02 | $2,910 | $2,598 |
| W03 | $3,012 | $2,679 |
| W04 | $3,141 | $2,811 |
| W05 | $3,300 | $2,895 |
| O01E | $2,886 | $2,541 |
| O02E | $2,997 | $2,652 |
| O03E | $3,162 | $2,790 |
| O01 | $2,580 | $2,157 |
| O02 | $2,799 | $2,484 |
| O03 | $3,009 | $2,703 |
| O04 | $3,351 | $2,874 |
| O05 | $3,594 | $2,916 |
| O06 | $3,627 | $2,991 |
| O07 | $3,654 | $3,045 |
BAH for BALTIMORE, MD includes the following zip codes: 20588, 20723, 20759, 20777, 21013, 21020, 21022, 21023, 21027, 21029, 21030, 21031, 21036, 21041, 21042, 21043, 21044, 21045, 21046, 21048, 21051, 21052, 21053, 21057, 21065, 21071, 21074, 21082, 21087, 21088, 21092, 21093, 21094, 21102, 21104, 21105, 21111, 21117, 21120, 21128, 21131, 21133, 21136, 21139, 21150, 21152, 21153, 21155, 21156, 21157, 21158, 21162, 21163, 21201, 21202, 21203, 21204, 21205, 21206, 21207, 21208, 21209, 21210, 21211, 21212, 21213, 21214, 21215, 21216, 21217, 21218, 21219, 21220, 21221, 21222, 21223, 21224, 21227, 21228, 21229, 21230, 21231, 21233, 21234, 21235, 21236, 21237, 21239, 21241, 21244, 21250, 21251, 21252, 21263, 21264, 21270, 21273, 21275, 21278, 21279, 21281, 21282, 21284, 21285, 21286, 21287, 21289, 21290, 21297, 21298, 21723, 21737, 21738, 21757, 21759, 21765, 21776, 21784, 21787, 21791, 21794, 21797
» MORE: See how your military service can get you into a home for $0 down
FORT DETRICK, MD BAH Rates
Military Housing Area: MD130
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,373 | $2,010 |
| E02 | $2,373 | $2,010 |
| E03 | $2,373 | $2,010 |
| E04 | $2,373 | $2,010 |
| E05 | $2,505 | $2,154 |
| E06 | $2,952 | $2,250 |
| E07 | $3,045 | $2,376 |
| E08 | $3,144 | $2,598 |
| E09 | $3,303 | $2,727 |
| W01 | $2,973 | $2,340 |
| W02 | $3,087 | $2,595 |
| W03 | $3,210 | $2,745 |
| W04 | $3,342 | $2,970 |
| W05 | $3,504 | $3,066 |
| O01E | $3,060 | $2,502 |
| O02E | $3,192 | $2,697 |
| O03E | $3,366 | $2,946 |
| O01 | $2,565 | $2,238 |
| O02 | $2,949 | $2,466 |
| O03 | $3,207 | $2,790 |
| O04 | $3,558 | $3,045 |
| O05 | $3,810 | $3,099 |
| O06 | $3,843 | $3,189 |
| O07 | $3,873 | $3,249 |
BAH for FORT DETRICK, MD includes the following zip codes: 21701, 21702, 21703, 21704, 21705, 21709, 21710, 21714, 21716, 21717, 21718, 21719, 21727, 21754, 21755, 21758, 21762, 21769, 21770, 21771, 21773, 21774, 21775, 21777, 21778, 21780, 21788, 21790, 21792, 21793, 21798
» MORE: Check official requirements for a VA loan
FORT G. G. MEADE, MD BAH Rates
Military Housing Area: MD133
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,682 | $2,166 |
| E02 | $2,682 | $2,166 |
| E03 | $2,682 | $2,166 |
| E04 | $2,682 | $2,166 |
| E05 | $2,826 | $2,406 |
| E06 | $3,174 | $2,550 |
| E07 | $3,234 | $2,685 |
| E08 | $3,297 | $2,901 |
| E09 | $3,432 | $2,997 |
| W01 | $3,192 | $2,646 |
| W02 | $3,261 | $2,898 |
| W03 | $3,339 | $3,009 |
| W04 | $3,468 | $3,180 |
| W05 | $3,624 | $3,246 |
| O01E | $3,240 | $2,823 |
| O02E | $3,327 | $2,973 |
| O03E | $3,489 | $3,165 |
| O01 | $2,874 | $2,538 |
| O02 | $3,171 | $2,781 |
| O03 | $3,336 | $3,045 |
| O04 | $3,678 | $3,228 |
| O05 | $3,918 | $3,261 |
| O06 | $3,954 | $3,321 |
| O07 | $3,987 | $3,381 |
BAH for FORT G. G. MEADE, MD includes the following zip codes: 20701, 20715, 20724, 20755, 20763, 20794, 21054, 21061, 21075, 21076, 21077, 21090, 21108, 21113, 21114, 21144, 21240
INDIAN HEAD NAVORDSTA, MD BAH Rates
Military Housing Area: MD134
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $3,066 | $2,376 |
| E02 | $3,066 | $2,376 |
| E03 | $3,066 | $2,376 |
| E04 | $3,066 | $2,376 |
| E05 | $3,126 | $2,787 |
| E06 | $3,231 | $3,006 |
| E07 | $3,333 | $3,063 |
| E08 | $3,444 | $3,153 |
| E09 | $3,615 | $3,171 |
| W01 | $3,246 | $3,060 |
| W02 | $3,381 | $3,150 |
| W03 | $3,519 | $3,177 |
| W04 | $3,654 | $3,246 |
| W05 | $3,816 | $3,357 |
| O01E | $3,348 | $3,123 |
| O02E | $3,501 | $3,165 |
| O03E | $3,675 | $3,219 |
| O01 | $3,147 | $3,003 |
| O02 | $3,228 | $3,111 |
| O03 | $3,516 | $3,186 |
| O04 | $3,870 | $3,333 |
| O05 | $4,119 | $3,396 |
| O06 | $4,158 | $3,501 |
| O07 | $4,191 | $3,567 |
BAH for INDIAN HEAD NAVORDSTA, MD includes the following zip codes: 20601, 20602, 20603, 20604, 20607, 20611, 20612, 20616, 20617, 20622, 20625, 20632, 20637, 20640, 20643, 20645, 20646, 20658, 20661, 20662, 20664, 20675, 20677, 20682, 20693, 20695
PATUXENT RIVER, MD BAH Rates
Military Housing Area: MD135
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,214 | $1,845 |
| E02 | $2,214 | $1,845 |
| E03 | $2,214 | $1,845 |
| E04 | $2,214 | $1,845 |
| E05 | $2,358 | $1,686 |
| E06 | $2,478 | $2,076 |
| E07 | $2,535 | $2,217 |
| E08 | $2,595 | $2,388 |
| E09 | $2,718 | $2,412 |
| W01 | $2,493 | $2,175 |
| W02 | $2,559 | $2,385 |
| W03 | $2,637 | $2,418 |
| W04 | $2,751 | $2,484 |
| W05 | $2,889 | $2,547 |
| O01E | $2,538 | $2,355 |
| O02E | $2,628 | $2,406 |
| O03E | $2,769 | $2,466 |
| O01 | $2,211 | $1,812 |
| O02 | $2,616 | $2,097 |
| O03 | $2,730 | $2,448 |
| O04 | $2,856 | $2,655 |
| O05 | $2,943 | $2,673 |
| O06 | $2,967 | $2,709 |
| O07 | $2,991 | $2,760 |
BAH for PATUXENT RIVER, MD includes the following zip codes: 20606, 20608, 20609, 20610, 20615, 20618, 20619, 20620, 20621, 20624, 20626, 20627, 20628, 20629, 20630, 20634, 20635, 20636, 20639, 20650, 20653, 20656, 20657, 20659, 20660, 20667, 20670, 20674, 20676, 20678, 20680, 20684, 20685, 20686, 20687, 20688, 20689, 20690, 20692, 20714, 20732, 20736, 20754
EASTERN SHORE, MD BAH Rates
Military Housing Area: MD432
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,926 | $1,554 |
| E02 | $1,926 | $1,554 |
| E03 | $1,926 | $1,554 |
| E04 | $1,926 | $1,554 |
| E05 | $2,019 | $1,728 |
| E06 | $2,229 | $1,836 |
| E07 | $2,271 | $1,926 |
| E08 | $2,319 | $2,067 |
| E09 | $2,415 | $2,118 |
| W01 | $2,244 | $1,908 |
| W02 | $2,292 | $2,064 |
| W03 | $2,352 | $2,127 |
| W04 | $2,442 | $2,232 |
| W05 | $2,556 | $2,280 |
| O01E | $2,274 | $2,016 |
| O02E | $2,343 | $2,106 |
| O03E | $2,457 | $2,217 |
| O01 | $2,052 | $1,830 |
| O02 | $2,226 | $1,992 |
| O03 | $2,349 | $2,148 |
| O04 | $2,592 | $2,265 |
| O05 | $2,760 | $2,289 |
| O06 | $2,784 | $2,331 |
| O07 | $2,805 | $2,373 |
BAH for EASTERN SHORE, MD includes the following zip codes: 21801, 21802, 21803, 21804, 21810, 21811, 21813, 21814, 21817, 21821, 21822, 21824, 21826, 21829, 21830, 21836, 21837, 21838, 21840, 21841, 21842, 21843, 21849, 21850, 21851, 21852, 21853, 21856, 21857, 21861, 21862, 21863, 21864, 21865, 21866, 21867, 21871, 21872, 21874, 21875, 21890, 23301, 23302, 23303, 23306, 23307, 23308, 23310, 23313, 23316, 23336, 23337, 23341, 23345, 23347, 23350, 23354, 23356, 23357, 23358, 23359, 23389, 23395, 23396, 23398, 23399, 23401, 23404, 23405, 23407, 23408, 23409, 23410, 23412, 23413, 23414, 23415, 23416, 23417, 23418, 23419, 23420, 23421, 23422, 23423, 23426, 23427, 23429, 23440, 23441, 23442, 23443, 23480, 23482, 23483, 23486, 23488
OXFORD, MD BAH Rates
Military Housing Area: MD458
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,175 | $1,632 |
| E02 | $2,175 | $1,632 |
| E03 | $2,175 | $1,632 |
| E04 | $2,175 | $1,632 |
| E05 | $2,373 | $1,824 |
| E06 | $2,712 | $2,034 |
| E07 | $2,766 | $2,181 |
| E08 | $2,820 | $2,445 |
| E09 | $2,958 | $2,541 |
| W01 | $2,733 | $2,115 |
| W02 | $2,790 | $2,442 |
| W03 | $2,859 | $2,553 |
| W04 | $2,997 | $2,718 |
| W05 | $3,168 | $2,778 |
| O01E | $2,769 | $2,370 |
| O02E | $2,850 | $2,517 |
| O03E | $3,021 | $2,706 |
| O01 | $2,421 | $1,971 |
| O02 | $2,709 | $2,310 |
| O03 | $2,856 | $2,589 |
| O04 | $3,228 | $2,760 |
| O05 | $3,489 | $2,787 |
| O06 | $3,522 | $2,838 |
| O07 | $3,549 | $2,889 |
BAH for OXFORD, MD includes the following zip codes: 21601, 21607, 21609, 21610, 21612, 21613, 21617, 21619, 21620, 21622, 21623, 21624, 21625, 21626, 21627, 21628, 21629, 21631, 21632, 21634, 21635, 21636, 21638, 21639, 21640, 21641, 21643, 21644, 21645, 21647, 21648, 21649, 21650, 21651, 21652, 21653, 21654, 21655, 21656, 21657, 21658, 21659, 21660, 21661, 21662, 21663, 21664, 21665, 21666, 21667, 21668, 21669, 21670, 21671, 21672, 21673, 21675, 21676, 21677, 21678, 21679, 21690, 21835, 21869
