2025 BAH Rates in Mississippi – ZIP Code Housing Allowance
The 2025 Basic Allowance for Housing (BAH) rates in Mississippi are now official. These tax-free monthly payments help active-duty military members afford off-base housing based on ZIP code, pay grade, and dependent status. Whether you’re stationed at Keesler AFB, Camp Shelby, NAS Meridian, or in Jackson, you’ll find your updated BAH amounts below.
Mississippi saw slight BAH increases in 2025, especially near Biloxi, Gulfport, Hattiesburg, and Jackson. You can explore national changes on our 2025 BAH rate update page or learn more about local VA benefits in the Mississippi VA loan guide.
Check how much home your BAH covers in Mississippi
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What is the Basic Allowance for Housing (BAH)?
BAH is a tax-free monthly housing stipend given to active-duty service members who live off base. It is based on local rental rates, rank, and dependent status. In Mississippi, this includes personnel stationed at Keesler AFB in Biloxi, Camp Shelby near Hattiesburg, NAS Meridian, and recruiters across Jackson or Gulfport.
How BAH Rates Are Calculated
- Location: ZIP codes like 39534 (Keesler), 39407 (Camp Shelby), and 39309 (NAS Meridian) each reflect local rent data.
- Rank: Higher pay grades receive larger BAH amounts.
- Dependents: Service members with dependents qualify for higher rates to accommodate family housing needs.
How to Read the BAH Charts
- Find your ZIP code or base’s Military Housing Area (MHA)
- Select your pay grade (E-4, O-1, etc.)
- Compare “with” vs. “without” dependent rates
How to Use Your BAH to Buy a Home
In a low-cost state like Mississippi, many service members use their BAH to purchase a home through the VA loan program. With home prices below the national average, your BAH could cover your entire monthly mortgage in places like Gulfport, Hattiesburg, or even Jackson.
Key VA loan benefits in Mississippi include:
- $0 down payment required for most homes
- No PMI (Private Mortgage Insurance)
- Credit-friendly approval options
- Access to below-market VA interest rates
Using your BAH to buy a home in Mississippi can be a smart investment that keeps your housing costs stable for years to come.
Mississippi Housing Costs & BAH Impact
Mississippi has one of the most affordable housing markets in the U.S. In cities like Biloxi, Hattiesburg, and Meridian, BAH often covers full rent and utilities — and in many rural ZIPs, it can even exceed typical rental costs. In 2025, BAH increases reflected modest local rent growth, especially near the Gulf Coast and in the Jackson metro area.
View Mississippi BAH Rate FAQs
GULFPORT, MS BAH Rates
Military Housing Area: MS168
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,437 | $1,254 |
| E02 | $1,437 | $1,254 |
| E03 | $1,437 | $1,254 |
| E04 | $1,437 | $1,254 |
| E05 | $1,503 | $1,320 |
| E06 | $1,623 | $1,371 |
| E07 | $1,737 | $1,437 |
| E08 | $1,863 | $1,533 |
| E09 | $2,034 | $1,557 |
| W01 | $1,638 | $1,428 |
| W02 | $1,788 | $1,530 |
| W03 | $1,944 | $1,563 |
| W04 | $2,070 | $1,644 |
| W05 | $2,223 | $1,764 |
| O01E | $1,755 | $1,500 |
| O02E | $1,923 | $1,551 |
| O03E | $2,091 | $1,611 |
| O01 | $1,527 | $1,368 |
| O02 | $1,620 | $1,485 |
| O03 | $1,941 | $1,575 |
| O04 | $2,277 | $1,740 |
| O05 | $2,511 | $1,884 |
| O06 | $2,532 | $1,926 |
| O07 | $2,550 | $1,959 |
BAH for GULFPORT, MS includes the following zip codes: 39501, 39502, 39503, 39505, 39506, 39507, 39525, 39530, 39531, 39532, 39533, 39534, 39535, 39540, 39552, 39553, 39555, 39556, 39560, 39562, 39563, 39564, 39565, 39566, 39567, 39568, 39571, 39574, 39581, 39595
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COLUMBUS AFB, MS BAH Rates
Military Housing Area: MS169
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,254 | $1,053 |
| E02 | $1,254 | $1,053 |
| E03 | $1,254 | $1,053 |
| E04 | $1,254 | $1,053 |
| E05 | $1,338 | $1,116 |
| E06 | $1,812 | $1,359 |
| E07 | $1,905 | $1,428 |
| E08 | $1,998 | $1,500 |
| E09 | $2,112 | $1,584 |
| W01 | $1,833 | $1,374 |
| W02 | $1,944 | $1,458 |
| W03 | $2,064 | $1,590 |
| W04 | $2,130 | $1,830 |
| W05 | $2,217 | $1,926 |
| O01E | $1,917 | $1,437 |
| O02E | $2,046 | $1,542 |
| O03E | $2,142 | $1,806 |
| O01 | $1,401 | $1,164 |
| O02 | $1,806 | $1,431 |
| O03 | $2,061 | $1,641 |
| O04 | $2,241 | $1,902 |
| O05 | $2,364 | $1,956 |
| O06 | $2,385 | $2,046 |
| O07 | $2,400 | $2,079 |
BAH for COLUMBUS AFB, MS includes the following zip codes: 39701, 39702, 39703, 39704, 39705, 39710, 39736, 39740, 39741, 39743, 39753, 39754, 39755, 39766, 39773
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JACKSON, MS BAH Rates
Military Housing Area: MS170
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,653 | $1,275 |
| E02 | $1,653 | $1,275 |
| E03 | $1,653 | $1,275 |
| E04 | $1,653 | $1,275 |
| E05 | $1,761 | $1,446 |
| E06 | $2,016 | $1,554 |
| E07 | $2,109 | $1,656 |
| E08 | $2,211 | $1,815 |
| E09 | $2,367 | $1,884 |
| W01 | $2,034 | $1,629 |
| W02 | $2,151 | $1,812 |
| W03 | $2,277 | $1,893 |
| W04 | $2,403 | $2,031 |
| W05 | $2,556 | $2,133 |
| O01E | $2,124 | $1,758 |
| O02E | $2,259 | $1,869 |
| O03E | $2,424 | $2,007 |
| O01 | $1,797 | $1,545 |
| O02 | $2,013 | $1,728 |
| O03 | $2,274 | $1,920 |
| O04 | $2,607 | $2,109 |
| O05 | $2,841 | $2,166 |
| O06 | $2,865 | $2,259 |
| O07 | $2,886 | $2,298 |
BAH for JACKSON, MS includes the following zip codes: 39041, 39042, 39043, 39045, 39046, 39047, 39056, 39058, 39060, 39066, 39071, 39073, 39110, 39130, 39145, 39148, 39151, 39154, 39156, 39157, 39158, 39161, 39163, 39167, 39170, 39174, 39175, 39180, 39181, 39182, 39183, 39193, 39201, 39202, 39203, 39204, 39205, 39206, 39207, 39208, 39209, 39210, 39211, 39212, 39213, 39215, 39216, 39217, 39218, 39225, 39232, 39236, 39250, 39269, 39271, 39272, 39282, 39283, 39284, 39286, 39288, 39289, 39296, 39298
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MERIDIAN, MS BAH Rates
Military Housing Area: MS171
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,125 | $888 |
| E02 | $1,125 | $888 |
| E03 | $1,125 | $888 |
| E04 | $1,125 | $888 |
| E05 | $1,197 | $987 |
| E06 | $1,437 | $1,077 |
| E07 | $1,560 | $1,170 |
| E08 | $1,689 | $1,266 |
| E09 | $1,845 | $1,383 |
| W01 | $1,455 | $1,113 |
| W02 | $1,614 | $1,245 |
| W03 | $1,776 | $1,386 |
| W04 | $1,875 | $1,458 |
| W05 | $1,995 | $1,587 |
| O01E | $1,578 | $1,194 |
| O02E | $1,755 | $1,317 |
| O03E | $1,890 | $1,428 |
| O01 | $1,233 | $1,047 |
| O02 | $1,434 | $1,176 |
| O03 | $1,773 | $1,389 |
| O04 | $2,034 | $1,560 |
| O05 | $2,217 | $1,662 |
| O06 | $2,235 | $1,758 |
| O07 | $2,250 | $1,788 |
BAH for MERIDIAN, MS includes the following zip codes: 39057, 39301, 39302, 39303, 39304, 39305, 39307, 39309, 39320, 39323, 39325, 39326, 39327, 39332, 39335, 39336, 39337, 39342, 39345, 39364
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HATTIESBURG, MS BAH Rates
Military Housing Area: MS172
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,299 | $1,089 |
| E02 | $1,299 | $1,089 |
| E03 | $1,299 | $1,089 |
| E04 | $1,299 | $1,089 |
| E05 | $1,374 | $1,167 |
| E06 | $1,449 | $1,224 |
| E07 | $1,569 | $1,299 |
| E08 | $1,701 | $1,395 |
| E09 | $1,860 | $1,404 |
| W01 | $1,464 | $1,287 |
| W02 | $1,623 | $1,392 |
| W03 | $1,788 | $1,407 |
| W04 | $1,890 | $1,467 |
| W05 | $2,016 | $1,599 |
| O01E | $1,590 | $1,371 |
| O02E | $1,767 | $1,401 |
| O03E | $1,908 | $1,437 |
| O01 | $1,392 | $1,221 |
| O02 | $1,446 | $1,353 |
| O03 | $1,785 | $1,416 |
| O04 | $2,055 | $1,572 |
| O05 | $2,244 | $1,683 |
| O06 | $2,262 | $1,770 |
| O07 | $2,277 | $1,800 |
BAH for HATTIESBURG, MS includes the following zip codes: 39401, 39402, 39403, 39404, 39406, 39407, 39425, 39455, 39465, 39475, 39482
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2025 BAH FAQs for Mississippi
How much did BAH increase in Mississippi for 2025?
BAH increased by an average of 3.9% statewide, with higher adjustments in Biloxi, Gulfport, and Jackson-area ZIPs.
Where is BAH highest in Mississippi?
BAH is highest near Keesler AFB in Biloxi (ZIP 39534) and the Gulf Coast region.
What is the BAH for an E-5 with dependents at Keesler AFB?
In 2025, an E-5 with dependents stationed at Keesler receives approximately $2,064/month.
Does BAH cover rent in Mississippi?
Yes. In most cities and rural areas, BAH covers rent and utilities — and in some ZIPs, it may exceed local rental costs.
Is BAH taxable in Mississippi?
No. BAH is a tax-free benefit and not counted as income on state or federal taxes.
Can I use BAH to qualify for a home loan?
Yes. Lenders count BAH as stable income when evaluating VA loan applications.
What ZIPs are used for NAS Meridian?
BAH for NAS Meridian is typically calculated using ZIP code 39309.
When do BAH rates update?
Rates are reviewed and updated each January by the Department of Defense.
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