2026 Maryland BAH Rates by Base, Rank, and Dependents
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2026 Maryland BAH Rates

Rates and VA Loan Buying Power

2026 Maryland BAH Rates and VA Loan Buying Power

Written by: NMLS#151017By (NMLS 151017)
Reviewed by: VA Loan Network Editorial TeamReviewed: VALN Editorial Team
Updated on
Primary sources:
DoD BAH Lookup

VA Home Loan Overview

Maryland has 9 Military Housing Areas. E-5 with-dependents BAH ranges from $2,121 to $3,249 per month; E-6 with dependents ranges from $2,313 to $3,378. Buying-power assumptions are stated below the table.


Next step:
Check Your VA Loan Eligibility

Table 1. Maryland Military Housing Areas at a glance
MHA E-5 w/dep E-6 w/dep E-6 buying power
ABERDEEN PROVING GROUNDS, MD $2,478 $2,742 ~$300,000
ANNAPOLIS, MD $2,928 $3,228 ~$355,000
BALTIMORE, MD $2,610 $2,904 ~$320,000
FORT DETRICK, MD $2,682 $3,063 ~$340,000
FORT G. G. MEADE, MD $2,901 $3,276 ~$360,000
INDIAN HEAD NAVORDSTA, MD $3,249 $3,378 ~$370,000
PATUXENT RIVER, MD $2,406 $2,547 ~$280,000
EASTERN SHORE, MD $2,121 $2,313 ~$255,000
OXFORD, MD $2,445 $2,814 ~$310,000

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Step 1 of 6 Your BAH
STEP 01 · YOUR BAH
What's your monthly BAH?

Find it on your LES, listed as "BAH" in entitlements. Or pick your state below to find a base.

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STEP 02 · DEPENDENTS
Do you have dependents?

Spouse, children, or other qualifying dependents. Affects lender qualification.

STEP 03 · CREDIT RANGE
Roughly, where's your credit?

No exact number needed. Many VA lenders go below 580, most banks won't tell you that.

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Strong VA rates · Most lenders
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STEP 04 · TIMELINE
When are you thinking of buying?
YOUR BUYING POWER
Your BAH buys you a home worth this much.
ESTIMATED HOME PRICE
$0

With $0 down and your VA benefit

▸Estimated VA rate
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▸Down payment
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▸Funding fee (financed)
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▸Estimated monthly payment
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▸BAH surplus per month
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Maryland BAH Snapshot

  • MHA count: 9 Military Housing Areas
  • E-5 w/dep range: $2,121 to $3,249/mo
  • E-6 w/dep range: $2,313 to $3,378/mo
  • Buying power range: ~$235,000 to ~$370,000

How BAH Counts for VA Loans

  • Tax-free income: BAH is excluded from gross income. 26 USC 134(a) Lenders may count it at 125 percent for the debt-to-income ratio, a 25 percent gross-up. VA Pamphlet 26-7 Ch. 4, Debt-to-Income Ratio
  • LES verification: The lender must verify the BAH amount; allowances are documented on the LES. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH
  • Rate protection: The monthly BAH amount may not be reduced while the member retains uninterrupted eligibility within an area. 37 USC 403(b)(6)
  • Dependent status: The statute establishes separate rates for members with and without dependents. 37 USC 403(b)(5) With-dependents rates are higher at every grade in every MHA.

Highest BAH in Texas

  • INDIAN HEAD NAVORDSTA, MD: E-6 w/dep $3,378/mo, ~$370,000 buying power
  • FORT G. G. MEADE, MD: E-6 w/dep $3,276/mo, ~$360,000 buying power
  • ANNAPOLIS, MD: E-6 w/dep $3,228/mo, ~$355,000 buying power
  • FORT DETRICK, MD: E-6 w/dep $3,063/mo, ~$340,000 buying power

Lowest BAH in Texas

  • EASTERN SHORE, MD: E-6 w/dep $2,313/mo, ~$255,000 buying power
  • PATUXENT RIVER, MD: E-6 w/dep $2,547/mo, ~$280,000 buying power
  • ABERDEEN PROVING GROUNDS, MD: E-6 w/dep $2,742/mo, ~$300,000 buying power
  • OXFORD, MD: E-6 w/dep $2,814/mo, ~$310,000 buying power

The Bottom Line Up Front

Maryland BAH rates vary by more than $1,065 per month at E-6 with dependents. The highest rate is $3,378 (INDIAN HEAD NAVORDSTA, MD) and the lowest is $2,313 (EASTERN SHORE, MD). That spread translates to a buying-power difference of roughly $115,000 at current VA loan terms.

How to Use Maryland BAH Rates for a VA Loan

  • Verify your BAH on your LES. The lender must verify the BAH amount before counting it as income. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH
  • Confirm your MHA. Your BAH is set by the Military Housing Area assigned to your duty station, not your home address. 37 USC 403(b)(2)
  • Ask about the gross-up. Because BAH is tax free, lenders may count it at 125 percent for the debt-to-income ratio. VA Pamphlet 26-7 Ch. 4, Debt-to-Income Ratio
  • Compare the buying-power estimates. Use the table above to see how your MHA and rank translate to an approximate home price, then get a personalized preapproval from a VA lender.

What to Do Based on Your Situation

  • PCS-ing to Maryland: Your BAH changes to the gaining station’s MHA rate. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH Use the new rate with your orders to start a preapproval before you arrive.
  • Already stationed in Maryland: Your BAH amount may not be reduced while you retain uninterrupted eligibility within the area, even if published rates drop. 37 USC 403(b)(6)
  • Separating from service: BAH stops when active-duty status ends. If you plan to buy before separation, verify the BAH amount on your current LES and close while you are still receiving it. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH

Maryland Housing Costs and 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.

BAH is one piece of the income picture. When you apply for a VA loan, the lender evaluates your debt-to-income ratio and residual income alongside your housing allowance. Because BAH is excluded from gross income, lenders may count it at 125 percent for the debt-to-income ratio. 26 USC 134(a) VA Pamphlet 26-7 Ch. 4, Debt-to-Income Ratio

For a broader look at homebuying in this state, see the Maryland VA loan guide.

Explore More BAH Insights

Maryland BAH Rates by Military Housing Area

Each block below holds the full pay-grade table, buying power by rank, and, when available, ZIP codes. Buying power assumes 6.5 percent rate, 30-year term, 2.15 percent VA funding fee financed, zero down payment, Maryland property tax at 0.95 percent (2023 ACS), homeowners insurance at 0.34 percent of home value (2022 III/NAIC), and PITI capped at 83 percent of BAH with dependents (VALN assumption, not a VA or DoD rule).

ABERDEEN PROVING GROUNDS, MD (MHA MD127): E-5 w/dep $2,478, E-6 w/dep $2,742, ~$300,000 buying power

ABERDEEN PROVING GROUNDS, MD BAH Rates

Table 2. 2026 BAH rates for ABERDEEN PROVING GROUNDS, MD
Grade With Dependents Without Dependents
E-1 $2,268 $1,875
E-2 $2,268 $1,875
E-3 $2,268 $1,875
E-4 $2,268 $1,875
E-5 $2,478 $1,986
E-6 $2,742 $2,076
E-7 $2,862 $2,274
E-8 $2,991 $2,538
E-9 $3,165 $2,607
W-1 $2,760 $2,205
W-2 $2,916 $2,535
W-3 $3,075 $2,619
W-4 $3,198 $2,766
W-5 $3,348 $2,892
O-1E $2,883 $2,475
O-2E $3,051 $2,592
O-3E $3,222 $2,733
O-1 $2,517 $2,055
O-2 $2,739 $2,412
O-3 $3,072 $2,643
O-4 $3,396 $2,865
O-5 $3,630 $2,934
O-6 $3,660 $3,054
O-7 $3,687 $3,108

ABERDEEN PROVING GROUNDS, MD Buying Power

  • E-5 w/dep ($2,478): ~$275,000 home, PITI ~$2,071/mo
  • E-6 w/dep ($2,742): ~$300,000 home, PITI ~$2,259/mo
  • E-7 w/dep ($2,862): ~$315,000 home, PITI ~$2,372/mo
  • O-3 w/dep ($3,072): ~$340,000 home, PITI ~$2,561/mo
ANNAPOLIS, MD (MHA MD128): E-5 w/dep $2,928, E-6 w/dep $3,228, ~$355,000 buying power

ANNAPOLIS, MD BAH Rates

Table 3. 2026 BAH rates for ANNAPOLIS, MD
Grade With Dependents Without Dependents
E-1 $2,757 $2,280
E-2 $2,757 $2,280
E-3 $2,757 $2,280
E-4 $2,757 $2,280
E-5 $2,928 $2,475
E-6 $3,228 $2,601
E-7 $3,303 $2,763
E-8 $3,384 $2,991
E-9 $3,546 $3,075
W-1 $3,246 $2,709
W-2 $3,336 $2,988
W-3 $3,441 $3,087
W-4 $3,585 $3,237
W-5 $3,762 $3,321
O-1E $3,315 $2,925
O-2E $3,423 $3,054
O-3E $3,612 $3,219
O-1 $2,970 $2,586
O-2 $3,225 $2,874
O-3 $3,438 $3,114
O-4 $3,822 $3,300
O-5 $4,101 $3,342
O-6 $4,134 $3,417
O-7 $4,164 $3,477

ANNAPOLIS, MD Buying Power

  • E-5 w/dep ($2,928): ~$325,000 home, PITI ~$2,448/mo
  • E-6 w/dep ($3,228): ~$355,000 home, PITI ~$2,674/mo
  • E-7 w/dep ($3,303): ~$365,000 home, PITI ~$2,749/mo
  • O-3 w/dep ($3,438): ~$380,000 home, PITI ~$2,862/mo
BALTIMORE, MD (MHA MD129): E-5 w/dep $2,610, E-6 w/dep $2,904, ~$320,000 buying power

BALTIMORE, MD BAH Rates

Table 4. 2026 BAH rates for BALTIMORE, MD
Grade With Dependents Without Dependents
E-1 $2,409 $1,857
E-2 $2,409 $1,857
E-3 $2,409 $1,857
E-4 $2,409 $1,857
E-5 $2,610 $2,079
E-6 $2,904 $2,226
E-7 $2,994 $2,415
E-8 $3,093 $2,673
E-9 $3,246 $2,754
W-1 $2,922 $2,349
W-2 $3,036 $2,670
W-3 $3,159 $2,766
W-4 $3,279 $2,919
W-5 $3,429 $3,015
O-1E $3,009 $2,607
O-2E $3,138 $2,736
O-3E $3,303 $2,895
O-1 $2,652 $2,205
O-2 $2,901 $2,547
O-3 $3,156 $2,793
O-4 $3,477 $2,994
O-5 $3,711 $3,045
O-6 $3,741 $3,138
O-7 $3,768 $3,192

BALTIMORE, MD Buying Power

  • E-5 w/dep ($2,610): ~$290,000 home, PITI ~$2,184/mo
  • E-6 w/dep ($2,904): ~$320,000 home, PITI ~$2,410/mo
  • E-7 w/dep ($2,994): ~$330,000 home, PITI ~$2,485/mo
  • O-3 w/dep ($3,156): ~$350,000 home, PITI ~$2,636/mo
FORT DETRICK, MD (MHA MD130): E-5 w/dep $2,682, E-6 w/dep $3,063, ~$340,000 buying power

FORT DETRICK, MD BAH Rates

Table 5. 2026 BAH rates for FORT DETRICK, MD
Grade With Dependents Without Dependents
E-1 $2,466 $2,016
E-2 $2,466 $2,016
E-3 $2,466 $2,016
E-4 $2,466 $2,016
E-5 $2,682 $2,160
E-6 $3,063 $2,295
E-7 $3,132 $2,472
E-8 $3,207 $2,763
E-9 $3,345 $2,871
W-1 $3,081 $2,400
W-2 $3,162 $2,760
W-3 $3,258 $2,886
W-4 $3,375 $3,075
W-5 $3,525 $3,147
O-1E $3,144 $2,679
O-2E $3,243 $2,847
O-3E $3,399 $3,054
O-1 $2,733 $2,247
O-2 $3,060 $2,613
O-3 $3,255 $2,922
O-4 $3,573 $3,129
O-5 $3,804 $3,168
O-6 $3,837 $3,234
O-7 $3,864 $3,291

FORT DETRICK, MD Buying Power

  • E-5 w/dep ($2,682): ~$295,000 home, PITI ~$2,222/mo
  • E-6 w/dep ($3,063): ~$340,000 home, PITI ~$2,561/mo
  • E-7 w/dep ($3,132): ~$345,000 home, PITI ~$2,598/mo
  • O-3 w/dep ($3,255): ~$360,000 home, PITI ~$2,711/mo
FORT G. G. MEADE, MD (MHA MD133): E-5 w/dep $2,901, E-6 w/dep $3,276, ~$360,000 buying power

FORT G. G. MEADE, MD BAH Rates

Table 6. 2026 BAH rates for FORT G. G. MEADE, MD
Grade With Dependents Without Dependents
E-1 $2,739 $2,178
E-2 $2,739 $2,178
E-3 $2,739 $2,178
E-4 $2,739 $2,178
E-5 $2,901 $2,436
E-6 $3,276 $2,592
E-7 $3,327 $2,745
E-8 $3,378 $2,982
E-9 $3,507 $3,087
W-1 $3,297 $2,694
W-2 $3,345 $2,979
W-3 $3,414 $3,102
W-4 $3,543 $3,282
W-5 $3,708 $3,336
O-1E $3,333 $2,898
O-2E $3,402 $3,063
O-3E $3,570 $3,270
O-1 $2,952 $2,577
O-2 $3,273 $2,850
O-3 $3,411 $3,138
O-4 $3,759 $3,321
O-5 $4,014 $3,345
O-6 $4,047 $3,390
O-7 $4,077 $3,450

FORT G. G. MEADE, MD Buying Power

  • E-5 w/dep ($2,901): ~$320,000 home, PITI ~$2,410/mo
  • E-6 w/dep ($3,276): ~$360,000 home, PITI ~$2,711/mo
  • E-7 w/dep ($3,327): ~$365,000 home, PITI ~$2,749/mo
  • O-3 w/dep ($3,411): ~$375,000 home, PITI ~$2,824/mo
INDIAN HEAD NAVORDSTA, MD (MHA MD134): E-5 w/dep $3,249, E-6 w/dep $3,378, ~$370,000 buying power

INDIAN HEAD NAVORDSTA, MD BAH Rates

Table 7. 2026 BAH rates for INDIAN HEAD NAVORDSTA, MD
Grade With Dependents Without Dependents
E-1 $3,192 $2,472
E-2 $3,192 $2,472
E-3 $3,192 $2,472
E-4 $3,192 $2,472
E-5 $3,249 $2,904
E-6 $3,378 $3,135
E-7 $3,483 $3,189
E-8 $3,597 $3,282
E-9 $3,768 $3,306
W-1 $3,393 $3,186
W-2 $3,528 $3,279
W-3 $3,672 $3,315
W-4 $3,804 $3,396
W-5 $3,969 $3,507
O-1E $3,501 $3,246
O-2E $3,648 $3,300
O-3E $3,831 $3,366
O-1 $3,273 $3,132
O-2 $3,375 $3,234
O-3 $3,669 $3,327
O-4 $4,020 $3,483
O-5 $4,278 $3,543
O-6 $4,314 $3,651
O-7 $4,344 $3,714

INDIAN HEAD NAVORDSTA, MD Buying Power

  • E-5 w/dep ($3,249): ~$360,000 home, PITI ~$2,711/mo
  • E-6 w/dep ($3,378): ~$370,000 home, PITI ~$2,787/mo
  • E-7 w/dep ($3,483): ~$385,000 home, PITI ~$2,900/mo
  • O-3 w/dep ($3,669): ~$405,000 home, PITI ~$3,050/mo
PATUXENT RIVER, MD (MHA MD135): E-5 w/dep $2,406, E-6 w/dep $2,547, ~$280,000 buying power

PATUXENT RIVER, MD BAH Rates

Table 8. 2026 BAH rates for PATUXENT RIVER, MD
Grade With Dependents Without Dependents
E-1 $2,268 $1,890
E-2 $2,268 $1,890
E-3 $2,268 $1,890
E-4 $2,268 $1,890
E-5 $2,406 $2,040
E-6 $2,547 $2,139
E-7 $2,625 $2,271
E-8 $2,712 $2,442
E-9 $2,856 $2,469
W-1 $2,562 $2,232
W-2 $2,661 $2,439
W-3 $2,772 $2,478
W-4 $2,886 $2,556
W-5 $3,033 $2,643
O-1E $2,637 $2,403
O-2E $2,754 $2,463
O-3E $2,910 $2,535
O-1 $2,433 $2,127
O-2 $2,544 $2,364
O-3 $2,769 $2,490
O-4 $3,075 $2,622
O-5 $3,300 $2,670
O-6 $3,327 $2,751
O-7 $3,348 $2,796

PATUXENT RIVER, MD Buying Power

  • E-5 w/dep ($2,406): ~$265,000 home, PITI ~$1,996/mo
  • E-6 w/dep ($2,547): ~$280,000 home, PITI ~$2,109/mo
  • E-7 w/dep ($2,625): ~$290,000 home, PITI ~$2,184/mo
  • O-3 w/dep ($2,769): ~$305,000 home, PITI ~$2,297/mo
EASTERN SHORE, MD (MHA MD432): E-5 w/dep $2,121, E-6 w/dep $2,313, ~$255,000 buying power

EASTERN SHORE, MD BAH Rates

Table 9. 2026 BAH rates for EASTERN SHORE, MD
Grade With Dependents Without Dependents
E-1 $1,989 $1,602
E-2 $1,989 $1,602
E-3 $1,989 $1,602
E-4 $1,989 $1,602
E-5 $2,121 $1,761
E-6 $2,313 $1,866
E-7 $2,346 $1,992
E-8 $2,382 $2,166
E-9 $2,472 $2,214
W-1 $2,331 $1,956
W-2 $2,358 $2,163
W-3 $2,409 $2,223
W-4 $2,496 $2,313
W-5 $2,610 $2,352
O-1E $2,349 $2,118
O-2E $2,397 $2,202
O-3E $2,514 $2,304
O-1 $2,151 $1,854
O-2 $2,310 $2,082
O-3 $2,406 $2,238
O-4 $2,643 $2,337
O-5 $2,820 $2,355
O-6 $2,841 $2,385
O-7 $2,859 $2,424

EASTERN SHORE, MD Buying Power

  • E-5 w/dep ($2,121): ~$235,000 home, PITI ~$1,770/mo
  • E-6 w/dep ($2,313): ~$255,000 home, PITI ~$1,921/mo
  • E-7 w/dep ($2,346): ~$260,000 home, PITI ~$1,958/mo
  • O-3 w/dep ($2,406): ~$265,000 home, PITI ~$1,996/mo
OXFORD, MD (MHA MD458): E-5 w/dep $2,445, E-6 w/dep $2,814, ~$310,000 buying power

OXFORD, MD BAH Rates

Table 10. 2026 BAH rates for OXFORD, MD
Grade With Dependents Without Dependents
E-1 $2,271 $1,704
E-2 $2,271 $1,704
E-3 $2,271 $1,704
E-4 $2,271 $1,704
E-5 $2,445 $1,938
E-6 $2,814 $2,112
E-7 $2,877 $2,277
E-8 $2,943 $2,523
E-9 $3,096 $2,628
W-1 $2,835 $2,220
W-2 $2,904 $2,520
W-3 $2,988 $2,643
W-4 $3,135 $2,823
W-5 $3,318 $2,889
O-1E $2,886 $2,442
O-2E $2,973 $2,604
O-3E $3,162 $2,808
O-1 $2,496 $2,094
O-2 $2,811 $2,391
O-3 $2,985 $2,679
O-4 $3,378 $2,871
O-5 $3,663 $2,907
O-6 $3,693 $2,964
O-7 $3,720 $3,015

OXFORD, MD Buying Power

  • E-5 w/dep ($2,445): ~$270,000 home, PITI ~$2,034/mo
  • E-6 w/dep ($2,814): ~$310,000 home, PITI ~$2,335/mo
  • E-7 w/dep ($2,877): ~$315,000 home, PITI ~$2,372/mo
  • O-3 w/dep ($2,985): ~$330,000 home, PITI ~$2,485/mo

VA Loans Near Maryland Military Bases

Maryland BAH rates for an E-6 with dependents range from $2,313/month (EASTERN SHORE, MD) to $3,378/month (INDIAN HEAD NAVORDSTA, MD). That translates to estimated buying power from ~$255,000 to ~$370,000 at current VA loan terms.

Frequently Asked Questions

Can I use BAH to qualify for a VA loan?

Yes. BAH is included in effective income if properly verified. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH Because BAH is tax free, lenders may count it at 125 percent for the debt-to-income ratio, a 25 percent gross-up. VA Pamphlet 26-7 Ch. 4, Debt-to-Income Ratio

Does BAH change when I PCS?

Your BAH rate is based on the MHA of your duty station. The BAH amount changes from one duty station to another. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH Rate protection means the monthly amount may not be reduced while the member retains uninterrupted eligibility within an area. 37 USC 403(b)(6)

What is the difference between with-dependents and without-dependents BAH?

The statute establishes separate rates for members with and without dependents. 37 USC 403(b)(5) With-dependents rates are higher at every grade in every MHA.

How many MHAs are in Maryland?

Maryland has 9 Military Housing Areas. The Secretary of Defense determines the costs of adequate housing in each area. 37 USC 403(b)(2)

Which Maryland MHA has the highest BAH?

INDIAN HEAD NAVORDSTA, MD has the highest E-6 with-dependents rate at $3,378 per month, translating to roughly $370,000 in buying power.

Which Maryland MHA has the lowest BAH?

EASTERN SHORE, MD has the lowest E-6 with-dependents rate at $2,313 per month, translating to roughly $255,000 in buying power.

How is buying power calculated?

Buying power assumes 6.5 percent rate, 30-year term, 2.15 percent VA funding fee financed, zero down payment, Maryland property tax at 0.95 percent (2023 ACS), homeowners insurance at 0.34 percent of home value (2022 III/NAIC), and PITI capped at 83 percent of BAH with dependents (VALN assumption, not a VA or DoD rule).

Is BAH the same as housing allowance on my LES?

Yes. Military allowances including BAH are documented on the LES. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH The amount matches the published DoD rate for your MHA, grade, and dependency status.

How We Researched This Page

BAH rates are from the 2026 DoD BAH rate tables. Buying power is derived using the documented assumptions: Buying power assumes 6.5 percent rate, 30-year term, 2.15 percent VA funding fee financed, zero down payment, Maryland property tax at 0.95 percent (2023 ACS), homeowners insurance at 0.34 percent of home value (2022 III/NAIC), and PITI capped at 83 percent of BAH with dependents (VALN assumption, not a VA or DoD rule). These figures are estimates for comparison, not loan quotes or approvals.

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