2026 BAH Rates in Michigan – ZIP Code Housing Allowance
The 2026 Basic Allowance for Housing (BAH) rates in Michigan are now published. These tax-free monthly payments help active-duty service members afford off-base housing, based on ZIP code, pay grade, and dependent status. Whether you’re stationed at Selfridge ANGB, Camp Grayling, or a recruiting office in Detroit or Grand Rapids, your local BAH rates are available below.
Michigan saw a moderate BAH increase in 2026, especially in suburban ZIPs near Macomb County, Ann Arbor, and Grand Rapids. To view national trends, visit our BAH rate update center, or explore local financing tips in our Michigan VA loan guide.
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What is the Basic Allowance for Housing (BAH)?
BAH is a monthly, tax-free housing allowance provided to active-duty military personnel who live off base. It’s calculated based on local rental market data. In Michigan, this helps service members near Selfridge Air National Guard Base, Camp Grayling, and civilian-heavy areas like Detroit and Lansing.
How BAH Rates Are Calculated
- Location: ZIP codes like 48045 (Selfridge ANGB), 49739 (Grayling), and 48226 (Detroit) all have unique housing cost assessments.
- Rank: Your pay grade determines the BAH amount — higher ranks receive more.
- Dependents: BAH is higher for service members with dependents to account for family housing needs.
How to Read the BAH Charts
- Find your base or recruiting ZIP code
- Select your rank/pay grade (e.g., E-4, O-2)
- Check rates for “with” or “without” dependents
How to Use Your BAH to Buy a Home
Many service members in Michigan choose to use their BAH to purchase a home with a VA loan rather than rent. With housing affordability in places like Lansing, Holland, and Saginaw, your monthly BAH may cover a full mortgage payment — and then some.
VA loan advantages in Michigan include:
With relatively low home prices and strong VA loan support, using your housing allowance to build equity in Michigan is a smart long-term move.
Michigan Housing Costs & BAH Impact
Michigan offers a relatively affordable housing market for military families. BAH typically covers rent in most ZIP codes, particularly in areas like Grayling, Flint, and the suburbs around Detroit. In 2026, rates increased slightly in ZIPs with growing rental demand — especially near Macomb County and university towns like Ann Arbor. Overall, Michigan remains one of the better states for stretching your BAH.
DETROIT, MI BAH Rates
Military Housing Area: MI142
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,941 | $1,455 |
| E02 | $1,941 | $1,455 |
| E03 | $1,941 | $1,455 |
| E04 | $1,941 | $1,455 |
| E05 | $2,241 | $1,680 |
| E06 | $2,448 | $1,833 |
| E07 | $2,520 | $1,953 |
| E08 | $2,598 | $2,289 |
| E09 | $2,772 | $2,340 |
| W01 | $2,466 | $1,851 |
| W02 | $2,553 | $2,286 |
| W03 | $2,655 | $2,349 |
| W04 | $2,817 | $2,457 |
| W05 | $3,018 | $2,538 |
| O01E | $2,529 | $2,238 |
| O02E | $2,640 | $2,328 |
| O03E | $2,847 | $2,439 |
| O01 | $2,274 | $1,707 |
| O02 | $2,445 | $2,145 |
| O03 | $2,652 | $2,370 |
| O04 | $3,087 | $2,517 |
| O05 | $3,396 | $2,559 |
| O06 | $3,426 | $2,634 |
| O07 | $3,453 | $2,682 |
BAH for DETROIT, MI includes the following zip codes: 48005, 48007, 48009, 48012, 48015, 48017, 48021, 48025, 48026, 48030, 48033, 48034, 48035, 48036, 48037, 48038, 48042, 48043, 48044, 48045, 48046, 48047, 48048, 48050, 48051, 48062, 48065, 48066, 48067, 48068, 48069, 48070, 48071, 48072, 48073, 48075, 48076, 48080, 48081, 48082, 48083, 48084, 48085, 48086, 48088, 48089, 48090, 48091, 48092, 48093, 48094, 48095, 48096, 48098, 48099, 48101, 48111, 48112, 48120, 48121, 48122, 48123, 48124, 48125, 48126, 48127, 48128, 48134, 48135, 48136, 48138, 48141, 48146, 48150, 48151, 48152, 48153, 48154, 48164, 48165, 48167, 48168, 48170, 48173, 48174, 48180, 48183, 48184, 48185, 48186, 48187, 48188, 48192, 48193, 48195, 48201, 48202, 48203, 48204, 48205, 48206, 48207, 48208, 48209, 48210, 48211, 48212, 48213, 48214, 48215, 48216, 48217, 48218, 48219, 48220, 48221, 48222, 48223, 48224, 48225, 48226, 48227, 48228, 48229, 48230, 48231, 48232, 48233, 48234, 48235, 48236, 48237, 48238, 48239, 48240, 48242, 48243, 48244, 48255, 48260, 48264, 48265, 48266, 48267, 48268, 48269, 48272, 48275, 48277, 48278, 48279, 48288, 48301, 48302, 48303, 48304, 48306, 48307, 48308, 48309, 48310, 48311, 48312, 48313, 48314, 48315, 48316, 48317, 48318, 48320, 48321, 48322, 48323, 48324, 48325, 48326, 48327, 48328, 48329, 48330, 48331, 48332, 48333, 48334, 48335, 48336, 48340, 48341, 48342, 48343, 48346, 48347, 48348, 48350, 48356, 48357, 48359, 48360, 48361, 48362, 48363, 48366, 48367, 48370, 48371, 48374, 48375, 48376, 48377, 48380, 48381, 48382, 48383, 48386, 48387, 48390, 48393, 48397, 48442, 48462
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MARQUETTE, MI BAH Rates
Military Housing Area: MI143
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,620 | $1,215 |
| E02 | $1,620 | $1,215 |
| E03 | $1,620 | $1,215 |
| E04 | $1,620 | $1,215 |
| E05 | $1,857 | $1,392 |
| E06 | $2,034 | $1,521 |
| E07 | $2,130 | $1,629 |
| E08 | $2,232 | $1,899 |
| E09 | $2,385 | $1,938 |
| W01 | $2,049 | $1,548 |
| W02 | $2,172 | $1,896 |
| W03 | $2,301 | $1,947 |
| W04 | $2,418 | $2,049 |
| W05 | $2,562 | $2,154 |
| O01E | $2,145 | $1,854 |
| O02E | $2,286 | $1,929 |
| O03E | $2,439 | $2,022 |
| O01 | $1,887 | $1,416 |
| O02 | $2,031 | $1,782 |
| O03 | $2,298 | $1,965 |
| O04 | $2,607 | $2,130 |
| O05 | $2,823 | $2,187 |
| O06 | $2,847 | $2,283 |
| O07 | $2,868 | $2,325 |
BAH for MARQUETTE, MI includes the following zip codes: 49808, 49814, 49819, 49833, 49841, 49849, 49855, 49861, 49865, 49866, 49871, 49879, 49885
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SAULT STE MARIE, MI BAH Rates
Military Housing Area: MI145
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,302 | $978 |
| E02 | $1,302 | $978 |
| E03 | $1,302 | $978 |
| E04 | $1,302 | $978 |
| E05 | $1,425 | $1,083 |
| E06 | $1,659 | $1,242 |
| E07 | $1,725 | $1,305 |
| E08 | $1,797 | $1,476 |
| E09 | $1,914 | $1,536 |
| W01 | $1,677 | $1,272 |
| W02 | $1,755 | $1,473 |
| W03 | $1,845 | $1,548 |
| W04 | $1,944 | $1,668 |
| W05 | $2,067 | $1,740 |
| O01E | $1,734 | $1,422 |
| O02E | $1,839 | $1,602 |
| O03E | $1,863 | $1,734 |
| O01 | $1,533 | $1,170 |
| O02 | $1,743 | $1,446 |
| O03 | $1,845 | $1,653 |
| O04 | $1,890 | $1,773 |
| O05 | $1,917 | $1,791 |
| O06 | $1,932 | $1,824 |
| O07 | $1,944 | $1,857 |
BAH for SAULT STE MARIE, MI includes the following zip codes: 49710, 49715, 49719, 49724, 49725, 49726, 49728, 49736, 49745, 49748, 49752, 49760, 49768, 49774, 49780, 49781, 49783, 49784, 49785, 49786, 49788, 49793
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TRAVERSE CITY, MI BAH Rates
Military Housing Area: MI146
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,851 | $1,554 |
| E02 | $1,851 | $1,554 |
| E03 | $1,851 | $1,554 |
| E04 | $1,851 | $1,554 |
| E05 | $1,884 | $1,716 |
| E06 | $2,469 | $1,851 |
| E07 | $2,589 | $1,941 |
| E08 | $2,712 | $2,034 |
| E09 | $2,883 | $2,178 |
| W01 | $2,490 | $1,869 |
| W02 | $2,640 | $2,001 |
| W03 | $2,793 | $2,199 |
| W04 | $2,922 | $2,493 |
| W05 | $3,078 | $2,616 |
| O01E | $2,607 | $1,956 |
| O02E | $2,772 | $2,139 |
| O03E | $2,943 | $2,463 |
| O01 | $1,959 | $1,812 |
| O02 | $2,463 | $1,944 |
| O03 | $2,787 | $2,259 |
| O04 | $3,129 | $2,589 |
| O05 | $3,369 | $2,658 |
| O06 | $3,399 | $2,775 |
| O07 | $3,426 | $2,823 |
BAH for TRAVERSE CITY, MI includes the following zip codes: 49411, 49431, 49601, 49610, 49613, 49614, 49616, 49617, 49618, 49619, 49620, 49621, 49625, 49626, 49628, 49630, 49634, 49635, 49636, 49637, 49638, 49640, 49643, 49645, 49649, 49650, 49653, 49654, 49660, 49663, 49664, 49666, 49668, 49670, 49673, 49674, 49675, 49682, 49683, 49684, 49685, 49686, 49689, 49690, 49696
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GRAND HAVEN, MI BAH Rates
Military Housing Area: MI148
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,917 | $1,554 |
| E02 | $1,917 | $1,554 |
| E03 | $1,917 | $1,554 |
| E04 | $1,917 | $1,554 |
| E05 | $2,040 | $1,704 |
| E06 | $2,433 | $1,824 |
| E07 | $2,457 | $1,920 |
| E08 | $2,466 | $2,124 |
| E09 | $2,514 | $2,235 |
| W01 | $2,454 | $1,887 |
| W02 | $2,463 | $2,121 |
| W03 | $2,475 | $2,250 |
| W04 | $2,535 | $2,430 |
| W05 | $2,622 | $2,448 |
| O01E | $2,460 | $2,037 |
| O02E | $2,469 | $2,208 |
| O03E | $2,547 | $2,427 |
| O01 | $2,094 | $1,791 |
| O02 | $2,430 | $2,004 |
| O03 | $2,472 | $2,289 |
| O04 | $2,646 | $2,436 |
| O05 | $2,772 | $2,451 |
| O06 | $2,796 | $2,454 |
| O07 | $2,814 | $2,490 |
BAH for GRAND HAVEN, MI includes the following zip codes: 49303, 49318, 49409, 49415, 49417, 49425, 49437, 49440, 49441, 49442, 49443, 49444, 49445, 49451, 49456, 49457, 49461, 49463
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BATTLE CREEK/KALAMAZOO, MI BAH Rates
Military Housing Area: MI152
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,581 | $1,185 |
| E02 | $1,581 | $1,185 |
| E03 | $1,581 | $1,185 |
| E04 | $1,581 | $1,185 |
| E05 | $1,806 | $1,356 |
| E06 | $2,223 | $1,668 |
| E07 | $2,289 | $1,716 |
| E08 | $2,355 | $1,893 |
| E09 | $2,472 | $2,013 |
| W01 | $2,244 | $1,683 |
| W02 | $2,316 | $1,890 |
| W03 | $2,400 | $2,028 |
| W04 | $2,502 | $2,232 |
| W05 | $2,625 | $2,301 |
| O01E | $2,295 | $1,803 |
| O02E | $2,388 | $1,986 |
| O03E | $2,517 | $2,217 |
| O01 | $1,860 | $1,395 |
| O02 | $2,220 | $1,734 |
| O03 | $2,397 | $2,070 |
| O04 | $2,664 | $2,283 |
| O05 | $2,853 | $2,319 |
| O06 | $2,877 | $2,382 |
| O07 | $2,898 | $2,424 |
BAH for BATTLE CREEK/KALAMAZOO, MI includes the following zip codes: 49001, 49002, 49003, 49004, 49005, 49006, 49007, 49008, 49009, 49011, 49012, 49014, 49015, 49016, 49017, 49018, 49019, 49020, 49024, 49029, 49033, 49034, 49037, 49041, 49048, 49051, 49052, 49053, 49068, 49074, 49077, 49081, 49083, 49087, 49088, 49092, 49097, 49224, 49245
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LANSING, MI BAH Rates
Military Housing Area: MI153
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,482 | $1,113 |
| E02 | $1,482 | $1,113 |
| E03 | $1,482 | $1,113 |
| E04 | $1,482 | $1,113 |
| E05 | $1,650 | $1,239 |
| E06 | $1,842 | $1,380 |
| E07 | $1,878 | $1,485 |
| E08 | $1,914 | $1,692 |
| E09 | $2,043 | $1,740 |
| W01 | $1,860 | $1,434 |
| W02 | $1,893 | $1,689 |
| W03 | $1,947 | $1,749 |
| W04 | $2,085 | $1,842 |
| W05 | $2,256 | $1,887 |
| O01E | $1,881 | $1,647 |
| O02E | $1,938 | $1,728 |
| O03E | $2,109 | $1,833 |
| O01 | $1,680 | $1,311 |
| O02 | $1,839 | $1,596 |
| O03 | $1,944 | $1,770 |
| O04 | $2,316 | $1,872 |
| O05 | $2,580 | $1,935 |
| O06 | $2,604 | $1,953 |
| O07 | $2,622 | $1,968 |
BAH for LANSING, MI includes the following zip codes: 48805, 48813, 48819, 48821, 48823, 48824, 48825, 48826, 48827, 48837, 48840, 48842, 48854, 48861, 48864, 48876, 48890, 48892, 48895, 48901, 48908, 48909, 48910, 48911, 48912, 48913, 48915, 48916, 48917, 48918, 48919, 48922, 48924, 48929, 48930, 48933, 48937, 48951, 48956, 48980, 49021, 49076, 49096, 49251, 49264, 49285
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GRAND RAPIDS, MI BAH Rates
Military Housing Area: MI154
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,848 | $1,386 |
| E02 | $1,848 | $1,386 |
| E03 | $1,848 | $1,386 |
| E04 | $1,848 | $1,386 |
| E05 | $2,007 | $1,572 |
| E06 | $2,262 | $1,701 |
| E07 | $2,283 | $1,851 |
| E08 | $2,301 | $2,064 |
| E09 | $2,424 | $2,130 |
| W01 | $2,280 | $1,803 |
| W02 | $2,289 | $2,061 |
| W03 | $2,319 | $2,142 |
| W04 | $2,469 | $2,259 |
| W05 | $2,655 | $2,286 |
| O01E | $2,286 | $2,004 |
| O02E | $2,313 | $2,115 |
| O03E | $2,496 | $2,253 |
| O01 | $2,046 | $1,686 |
| O02 | $2,259 | $1,959 |
| O03 | $2,316 | $2,166 |
| O04 | $2,718 | $2,271 |
| O05 | $3,006 | $2,289 |
| O06 | $3,033 | $2,298 |
| O07 | $3,054 | $2,337 |
BAH for GRAND RAPIDS, MI includes the following zip codes: 49301, 49302, 49306, 49315, 49316, 49317, 49319, 49321, 49326, 49330, 49331, 49341, 49343, 49345, 49351, 49355, 49356, 49357, 49401, 49403, 49404, 49418, 49422, 49423, 49424, 49426, 49427, 49428, 49429, 49430, 49434, 49435, 49448, 49460, 49464, 49468, 49501, 49502, 49503, 49504, 49505, 49506, 49507, 49508, 49509, 49510, 49512, 49514, 49515, 49516, 49518, 49519, 49523, 49525, 49528, 49530, 49534, 49544, 49546, 49548, 49555, 49560, 49588, 49599
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ANN ARBOR, MI BAH Rates
Military Housing Area: MI155
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,226 | $1,674 |
| E02 | $2,226 | $1,674 |
| E03 | $2,226 | $1,674 |
| E04 | $2,226 | $1,674 |
| E05 | $2,472 | $1,866 |
| E06 | $2,982 | $2,238 |
| E07 | $3,090 | $2,319 |
| E08 | $3,198 | $2,577 |
| E09 | $3,378 | $2,727 |
| W01 | $3,003 | $2,253 |
| W02 | $3,135 | $2,574 |
| W03 | $3,273 | $2,745 |
| W04 | $3,420 | $3,003 |
| W05 | $3,597 | $3,114 |
| O01E | $3,105 | $2,469 |
| O02E | $3,255 | $2,694 |
| O03E | $3,444 | $2,976 |
| O01 | $2,538 | $1,974 |
| O02 | $2,979 | $2,394 |
| O03 | $3,270 | $2,799 |
| O04 | $3,660 | $3,090 |
| O05 | $3,933 | $3,150 |
| O06 | $3,969 | $3,255 |
| O07 | $4,002 | $3,312 |
BAH for ANN ARBOR, MI includes the following zip codes: 48103, 48104, 48105, 48106, 48107, 48108, 48109, 48113, 48115, 48118, 48130, 48158, 48160, 48175, 48176, 48178, 48189, 48190, 48191, 48197, 48198
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SAGINAW, MI BAH Rates
Military Housing Area: MI156
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,335 | $1,002 |
| E02 | $1,335 | $1,002 |
| E03 | $1,335 | $1,002 |
| E04 | $1,335 | $1,002 |
| E05 | $1,497 | $1,122 |
| E06 | $1,746 | $1,305 |
| E07 | $1,779 | $1,338 |
| E08 | $1,818 | $1,551 |
| E09 | $1,854 | $1,617 |
| W01 | $1,761 | $1,320 |
| W02 | $1,797 | $1,548 |
| W03 | $1,848 | $1,626 |
| W04 | $1,860 | $1,746 |
| W05 | $1,887 | $1,788 |
| O01E | $1,782 | $1,494 |
| O02E | $1,839 | $1,602 |
| O03E | $1,863 | $1,734 |
| O01 | $1,533 | $1,170 |
| O02 | $1,743 | $1,446 |
| O03 | $1,845 | $1,653 |
| O04 | $1,890 | $1,773 |
| O05 | $1,917 | $1,791 |
| O06 | $1,932 | $1,824 |
| O07 | $1,944 | $1,857 |
BAH for SAGINAW, MI includes the following zip codes: 48415, 48417, 48601, 48602, 48603, 48604, 48605, 48606, 48607, 48608, 48609, 48611, 48613, 48614, 48616, 48623, 48626, 48631, 48634, 48637, 48638, 48649, 48650, 48655, 48663, 48706, 48707, 48708, 48710, 48722, 48724, 48732, 48734, 48747, 48787
