2026 BAH Rates in Mississippi – ZIP Code Housing Allowance
The 2026 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 2026, especially near Biloxi, Gulfport, Hattiesburg, and Jackson. You can explore national changes on our 2026 BAH rate update page or learn more about local VA benefits in the Mississippi VA loan guide.
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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:
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 2026, BAH increases reflected modest local rent growth, especially near the Gulf Coast and in the Jackson metro area.
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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