Rates and VA Loan Buying Power
2026 Michigan BAH Rates and VA Loan Buying Power
DoD BAH Lookup
DFAS Pay and Entitlements
VA Home Loan Overview
CFPB Loan Estimate Guide
Michigan BAH rates changed for 2026, but the real question is how tax free BAH affects VA loan buying power once it is verified on your LES. Before you use the tables, make sure your lender is using the right Michigan market, the right dependency status, and a payment target that fits your full file.
Next step:
Check Your VA Loan Eligibility
Michigan BAH Snapshot
- Ann Arbor runs highest in your sample set, with Detroit and Traverse City also elevated
- Grand Rapids, Battle Creek and Kalamazoo, Lansing, and Marquette sit lower, so buying power can change fast by zip, rank, and dependency status
- Find your base in the tables below and check both with-dependents and without-dependents rates for your rank
How BAH Counts for VA Loans
- Many VA lenders count BAH as qualifying income when it shows on your LES
- Because it is tax free, some lenders also gross it up
- That can help DTI, but residual income and the full monthly payment still decide what is workable
- Review the rate tables below and confirm the numbers with your lender before making decisions
PCS and Rate Protection
- With valid PCS orders, lenders can often use gaining station BAH when you are moving into Michigan
- Separate from that, individual rate protection can preserve a higher allowance while you stay at the same duty station with the same rank and dependency status
- Submit PCS orders to your lender early so they can qualify you using gaining-station BAH
LES and Documents
- Expect underwriters to review two to three LES statements, plus PCS orders when you are buying before a move
- Those documents help verify continuity, current entitlements, and whether the lender used the correct Michigan housing assumptions
- For a full breakdown of VA loan eligibility, local programs, and market data, see our Michigan VA loan guide
- Gather your two most recent LES statements and any PCS orders before starting your application
Frequently Asked Questions
Can I use Michigan BAH to qualify for a VA loan?
Can PCS orders change which Michigan BAH a lender uses?
Why does the Michigan BAH table not match my loan estimate exactly?
Jump To Your Base
- DETROIT, MI — E-6 w/dep: $2,448 → ~$260,000 buying power
- MARQUETTE, MI — E-6 w/dep: $2,034 → ~$215,000 buying power
- SAULT STE MARIE, MI — E-6 w/dep: $1,659 → ~$175,000 buying power
- TRAVERSE CITY, MI — E-6 w/dep: $2,469 → ~$260,000 buying power
- GRAND HAVEN, MI — E-6 w/dep: $2,433 → ~$255,000 buying power
- BATTLE CREEK/KALAMAZOO, MI — E-6 w/dep: $2,223 → ~$235,000 buying power
- LANSING, MI — E-6 w/dep: $1,842 → ~$195,000 buying power
- GRAND RAPIDS, MI — E-6 w/dep: $2,262 → ~$240,000 buying power
- ANN ARBOR, MI — E-6 w/dep: $2,982 → ~$315,000 buying power
- SAGINAW, MI — E-6 w/dep: $1,746 → ~$185,000 buying power
The Bottom Line Up Front
Michigan BAH rates for 2026 range from $1,659 to $2,982 per month for an E-6 with dependents, depending on duty station. At the highest rate, that supports roughly $330,000 in VA loan buying power at current rates. Use the 10 rate tables below to find your specific station, then see what your BAH actually buys with a VA loan.
How to Use Michigan BAH Rates for a VA Loan
- Pick the Right Table: Start with the Michigan market that matches your duty station or likely purchase area, then match your rank and dependency status before estimating any payment.
- Turn BAH into PITI Target plus Cushion: Use BAH as the first pass for principal, interest, taxes, and insurance, then leave room for utilities, HOA dues, repairs, and normal monthly variance.
- Verify Lender Treatment Using LES and Gross Up: Ask how the lender is counting tax free BAH from your LES, whether it is grossed up, and how that changes your real qualifying range.
- Use Same Assumptions When Shopping Lenders: Keep purchase price, taxes, insurance, credit band, and occupancy plan the same so you can judge lender treatment instead of comparing mismatched scenarios.
Convert Your BAH to VA Buying Power
Enter your BAH and key financials. We’ll estimate a comfortable VA home price and the resulting monthly payment.
Explore More BAH Insights
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2026 Basic Allowance for Housing (BAH) Rates by City
Official 2026 tables by city and MHA -
How BAH Affects VA Loan Buying Power
How allowance converts to qualifying income and price -
Military Housing Allowance (MHA) vs. BAH
Terminology and usage across DoD and lenders -
How Dual Military Couples Combine BAH for a VA Loan
Categories, documentation, and joint approvals -
Using BAH After Active Duty for a VA Loan
Eligibility paths, timing, documentation after separation -
Top 10 Military Cities with the Highest BAH
Markets with strong allowances and typical housing costs -
BAH Reserve and Transient Rates for 2026
Reserve component and partial month quick reference -
BAH vs PITI Mortgage Coverage
Define coverage and calculate safe payment buffers -
BAH VA Loan Buy or Rent PCS
Choose ownership or leasing around PCS timelines -
BAH Gross Up VA Loan Buying Power
How lenders adjust non taxable income and DTI impact
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.
Your BAH is one piece of the income picture. When you apply for a VA loan, lenders evaluate your debt-to-income ratio and residual income alongside your housing allowance. Because BAH is tax-free, most lenders can gross it up to reflect its true purchasing power, which directly affects pre-approval amounts. Understanding how your qualifying income is calculated helps you set a realistic price range before you start shopping.
For a broader look at homebuying options and benefits in this state, see our Michigan VA loan guide.
What To Do Based On Your Situation
- PCS-ing to Michigan soon: Use the gaining station BAH with your orders to get preapproved before you arrive. Many lenders can qualify you on the new rate before you move.
- Already stationed in Michigan: Your BAH is already on your LES. Turn it into a PITI target and see what home price fits before you start shopping.
- Separating or retiring in Michigan: BAH stops when you separate, so qualify based on your post-Military income. If you are buying before separation, coordinate timing carefully with your lender.
Buying power estimates assume 6.5% rate, $0 down, state average property tax and insurance rates, and 2.15% VA funding fee financed. Your actual buying power depends on credit, debts, and lender qualification.
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 |
DETROIT, MI — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,241): ~$235,000 home · PITI ~$1,860/mo
- E-6 w/dep ($2,448): ~$260,000 home · PITI ~$2,031/mo
- E-7 w/dep ($2,520): ~$265,000 home · PITI ~$2,091/mo
- O-3 w/dep ($2,652): ~$280,000 home · PITI ~$2,201/mo
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 |
MARQUETTE, MI — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($1,857): ~$195,000 home · PITI ~$1,541/mo
- E-6 w/dep ($2,034): ~$215,000 home · PITI ~$1,688/mo
- E-7 w/dep ($2,130): ~$225,000 home · PITI ~$1,767/mo
- O-3 w/dep ($2,298): ~$245,000 home · PITI ~$1,907/mo
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 |
SAULT STE MARIE, MI — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($1,425): ~$150,000 home · PITI ~$1,182/mo
- E-6 w/dep ($1,659): ~$175,000 home · PITI ~$1,376/mo
- E-7 w/dep ($1,725): ~$180,000 home · PITI ~$1,431/mo
- O-3 w/dep ($1,845): ~$195,000 home · PITI ~$1,531/mo
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 |
TRAVERSE CITY, MI — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($1,884): ~$200,000 home · PITI ~$1,563/mo
- E-6 w/dep ($2,469): ~$260,000 home · PITI ~$2,049/mo
- E-7 w/dep ($2,589): ~$275,000 home · PITI ~$2,148/mo
- O-3 w/dep ($2,787): ~$295,000 home · PITI ~$2,313/mo
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 |
GRAND HAVEN, MI — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,040): ~$215,000 home · PITI ~$1,693/mo
- E-6 w/dep ($2,433): ~$255,000 home · PITI ~$2,019/mo
- E-7 w/dep ($2,457): ~$260,000 home · PITI ~$2,039/mo
- O-3 w/dep ($2,472): ~$260,000 home · PITI ~$2,051/mo
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 |
BATTLE CREEK/KALAMAZOO, MI — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($1,806): ~$190,000 home · PITI ~$1,498/mo
- E-6 w/dep ($2,223): ~$235,000 home · PITI ~$1,845/mo
- E-7 w/dep ($2,289): ~$240,000 home · PITI ~$1,899/mo
- O-3 w/dep ($2,397): ~$255,000 home · PITI ~$1,989/mo
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 |
LANSING, MI — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($1,650): ~$175,000 home · PITI ~$1,369/mo
- E-6 w/dep ($1,842): ~$195,000 home · PITI ~$1,528/mo
- E-7 w/dep ($1,878): ~$200,000 home · PITI ~$1,558/mo
- O-3 w/dep ($1,944): ~$205,000 home · PITI ~$1,613/mo
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 |
GRAND RAPIDS, MI — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,007): ~$210,000 home · PITI ~$1,665/mo
- E-6 w/dep ($2,262): ~$240,000 home · PITI ~$1,877/mo
- E-7 w/dep ($2,283): ~$240,000 home · PITI ~$1,894/mo
- O-3 w/dep ($2,316): ~$245,000 home · PITI ~$1,922/mo
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 |
ANN ARBOR, MI — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,472): ~$260,000 home · PITI ~$2,051/mo
- E-6 w/dep ($2,982): ~$315,000 home · PITI ~$2,475/mo
- E-7 w/dep ($3,090): ~$325,000 home · PITI ~$2,564/mo
- O-3 w/dep ($3,270): ~$345,000 home · PITI ~$2,714/mo
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 |
SAGINAW, MI — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($1,497): ~$160,000 home · PITI ~$1,242/mo
- E-6 w/dep ($1,746): ~$185,000 home · PITI ~$1,449/mo
- E-7 w/dep ($1,779): ~$190,000 home · PITI ~$1,476/mo
- O-3 w/dep ($1,845): ~$195,000 home · PITI ~$1,531/mo
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
