2025 BAH Rates in Maryland – ZIP Code Housing Allowance
The 2025 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 2025, 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.
See how far your BAH goes in Maryland
View BAH Rates in:
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:
- Zero down payment for eligible buyers
- No monthly mortgage insurance (PMI)
- Flexible credit requirements
- Lower-than-average VA interest rates
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 2025, 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
2025 BAH FAQs for Maryland
How much did BAH increase in Maryland for 2025?
Rates rose by an average of 6.1% statewide, with the biggest increases near Fort Meade and Joint Base Andrews.
Where is BAH highest in Maryland?
BAH is typically highest in ZIP codes closest to Washington, D.C., including 20755 and 20762.
What is the BAH for an E-5 with dependents at Fort Meade?
In 2025, an E-5 with dependents at Fort Meade receives approximately $2,691/month in BAH.
Can BAH cover rent in Maryland?
In most regions, yes. BAH is usually sufficient to cover rent, especially outside the DC metro core.
Is BAH taxed in Maryland?
No. BAH is a federal benefit and is tax-free at both the state and federal level.
Can I use BAH income to qualify for a VA mortgage?
Yes. BAH is accepted as stable income and can be used to qualify for a VA home loan.
What bases are included in Maryland’s MHA areas?
Maryland’s BAH areas include Fort Meade (20755), Aberdeen (21005), JBA (20762), and Naval Support Annapolis (21402).
Do single service members qualify for BAH?
Yes, if authorized to live off base or if government housing is not available.
When do BAH rates update?
BAH rates are adjusted every January based on current local rental trends.
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