2025 BAH Rates in Missouri – ZIP Code Housing Allowance
Missouri’s updated 2025 Basic Allowance for Housing (BAH) rates are now in effect. This monthly, tax-free benefit helps military families offset the cost of off-base housing based on ZIP code, rank, and dependent status. Whether you’re stationed at Fort Leonard Wood, Whiteman Air Force Base, or in urban areas like St. Louis or Kansas City, you can look up your local housing allowance below.
In 2025, Missouri BAH rates increased modestly in areas experiencing rental growth, including Columbia, Lee’s Summit, and Warrensburg. To see how national averages compare, visit our military BAH trends page or explore our Missouri VA loan guide for tips on using your allowance toward homeownership.
See what your BAH can get you in Missouri
View BAH Rates in:
What is the Basic Allowance for Housing (BAH)?
BAH is a tax-free monthly payment given to service members who live off base. It helps offset rental costs and varies based on your base location, rank, and dependent status. In Missouri, this includes personnel assigned to Fort Leonard Wood, Whiteman AFB, and units based in or around St. Louis and Kansas City.
How BAH Rates Are Calculated
- Location: ZIP codes like 65473 (Fort Leonard Wood), 65305 (Whiteman AFB), and 64063 (Lee’s Summit) are reviewed annually for rental trends.
- Rank: Higher-ranking members receive increased BAH to reflect expanded housing needs.
- Dependents: BAH is higher if you have dependents, to cover family housing accommodations.
How to Read the BAH Charts
- Find your ZIP code or installation region
- Locate your pay grade (e.g., E-4, O-2)
- Compare “with” and “without” dependent rates
How to Use Your BAH to Buy a Home
Many military families in Missouri choose to put their BAH toward a mortgage using the VA loan program. With home prices well below the national average in towns like Rolla, Sedalia, and Blue Springs, your monthly housing allowance could go further than rent.
Why a VA loan makes sense in Missouri:
- No down payment needed for qualified buyers
- No monthly mortgage insurance (PMI)
- Flexible credit score requirements
- Access to low VA interest rates
In many parts of Missouri, your BAH can cover — or nearly cover — your full mortgage payment.
Missouri Housing Costs & BAH Impact
Missouri offers a relatively low cost of living, which means BAH often fully covers rent — particularly near Fort Leonard Wood and Whiteman AFB. In suburban areas like Columbia and Springfield, housing costs are modest, while St. Louis and Kansas City have ZIPs with slightly higher rents. The 2025 BAH increases were driven by market growth in key ZIPs like 64086, 63114, and 65301.
Kansas City, MO BAH Rates
Military Housing Area: MO160
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,794 | $1,347 |
| E02 | $1,794 | $1,347 |
| E03 | $1,794 | $1,347 |
| E04 | $1,794 | $1,347 |
| E05 | $1,926 | $1,536 |
| E06 | $2,142 | $1,671 |
| E07 | $2,163 | $1,797 |
| E08 | $2,184 | $1,974 |
| E09 | $2,280 | $2,028 |
| W01 | $2,160 | $1,761 |
| W02 | $2,172 | $1,971 |
| W03 | $2,205 | $2,037 |
| W04 | $2,313 | $2,139 |
| W05 | $2,454 | $2,166 |
| O01E | $2,166 | $1,923 |
| O02E | $2,199 | $2,016 |
| O03E | $2,334 | $2,133 |
| O01 | $1,959 | $1,659 |
| O02 | $2,139 | $1,884 |
| O03 | $2,202 | $2,061 |
| O04 | $2,499 | $2,154 |
| O05 | $2,709 | $2,169 |
| O06 | $2,733 | $2,181 |
| O07 | $2,751 | $2,220 |
BAH for KANSAS CITY, MO includes the following zip codes: 64002, 64012, … 66286
St. Louis, MO BAH Rates
Military Housing Area: MO161
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,112 | $1,584 |
| E02 | $2,112 | $1,584 |
| E03 | $2,112 | $1,584 |
| E04 | $2,112 | $1,584 |
| E05 | $2,253 | $1,830 |
| E06 | $2,550 | $1,980 |
| E07 | $2,592 | $2,115 |
| E08 | $2,637 | $2,319 |
| E09 | $2,748 | $2,397 |
| W01 | $2,568 | $2,076 |
| W02 | $2,613 | $2,316 |
| W03 | $2,673 | $2,409 |
| W04 | $2,778 | $2,553 |
| W05 | $2,913 | $2,604 |
| O01E | $2,595 | $2,250 |
| O02E | $2,664 | $2,379 |
| O03E | $2,796 | $2,541 |
| O01 | $2,295 | $1,968 |
| O02 | $2,547 | $2,211 |
| O03 | $2,670 | $2,439 |
| O04 | $2,955 | $2,586 |
| O05 | $3,156 | $2,610 |
| O06 | $3,183 | $2,652 |
| O07 | $3,210 | $2,700 |
BAH for ST. LOUIS, MO includes the following zip codes: 62001, 62002, … 63386
Whiteman AFB, MO BAH Rates
Military Housing Area: MO162
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,314 | $996 |
| E02 | $1,314 | $996 |
| E03 | $1,314 | $996 |
| E04 | $1,314 | $996 |
| E05 | $1,473 | $1,104 |
| E06 | $1,749 | $1,311 |
| E07 | $1,860 | $1,395 |
| E08 | $1,980 | $1,533 |
| E09 | $2,127 | $1,608 |
| W01 | $1,767 | $1,326 |
| W02 | $1,911 | $1,530 |
| W03 | $2,058 | $1,620 |
| W04 | $2,154 | $1,770 |
| W05 | $2,271 | $1,887 |
| O01E | $1,878 | $1,470 |
| O02E | $2,037 | $1,590 |
| O03E | $2,169 | $1,740 |
| O01 | $1,515 | $1,152 |
| O02 | $1,746 | $1,425 |
| O03 | $2,055 | $1,647 |
| O04 | $2,310 | $1,863 |
| O05 | $2,487 | $1,929 |
| O06 | $2,508 | $2,040 |
| O07 | $2,523 | $2,076 |
BAH for WHITEMAN AFB, MO includes the following zip codes: 64019, 64040, … 65360
Fort Leonard Wood, MO BAH Rates
Military Housing Area: MO163
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,224 | $1,119 |
| E02 | $1,224 | $1,119 |
| E03 | $1,224 | $1,119 |
| E04 | $1,224 | $1,119 |
| E05 | $1,311 | $1,122 |
| E06 | $1,542 | $1,152 |
| E07 | $1,647 | $1,236 |
| E08 | $1,758 | $1,362 |
| E09 | $1,872 | $1,419 |
| W01 | $1,557 | $1,206 |
| W02 | $1,692 | $1,359 |
| W03 | $1,833 | $1,431 |
| W04 | $1,890 | $1,560 |
| W05 | $1,965 | $1,671 |
| O01E | $1,662 | $1,308 |
| O02E | $1,812 | $1,407 |
| O03E | $1,899 | $1,530 |
| O01 | $1,344 | $1,134 |
| O02 | $1,539 | $1,284 |
| O03 | $1,830 | $1,455 |
| O04 | $1,986 | $1,647 |
| O05 | $2,091 | $1,707 |
| O06 | $2,109 | $1,815 |
| O07 | $2,124 | $1,845 |
BAH for FORT LEONARD WOOD, MO includes the following zip codes: 65401, 65402, … 65689
Springfield, MO BAH Rates
Military Housing Area: MO164
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,239 | $984 |
| E02 | $1,239 | $984 |
| E03 | $1,239 | $984 |
| E04 | $1,239 | $984 |
| E05 | $1,335 | $1,077 |
| E06 | $1,743 | $1,308 |
| E07 | $1,803 | $1,353 |
| E08 | $1,860 | $1,422 |
| E09 | $1,998 | $1,536 |
| W01 | $1,764 | $1,323 |
| W02 | $1,827 | $1,419 |
| W03 | $1,902 | $1,554 |
| W04 | $2,040 | $1,752 |
| W05 | $2,208 | $1,815 |
| O01E | $1,806 | $1,359 |
| O02E | $1,890 | $1,512 |
| O03E | $2,061 | $1,737 |
| O01 | $1,389 | $1,140 |
| O02 | $1,740 | $1,356 |
| O03 | $1,899 | $1,596 |
| O04 | $2,265 | $1,797 |
| O05 | $2,523 | $1,893 |
| O06 | $2,544 | $1,908 |
| O07 | $2,562 | $1,923 |
BAH for SPRINGFIELD, MO includes the following zip codes: 65604, 65610, … 65899
Columbia/Jefferson City, MO BAH Rates
Military Housing Area: MO165
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,188 | $981 |
| E02 | $1,188 | $981 |
| E03 | $1,188 | $981 |
| E04 | $1,188 | $981 |
| E05 | $1,257 | $1,062 |
| E06 | $1,461 | $1,119 |
| E07 | $1,665 | $1,248 |
| E08 | $1,884 | $1,413 |
| E09 | $2,091 | $1,569 |
| W01 | $1,479 | $1,179 |
| W02 | $1,755 | $1,317 |
| W03 | $2,028 | $1,572 |
| W04 | $2,118 | $1,602 |
| W05 | $2,232 | $1,713 |
| O01E | $1,701 | $1,275 |
| O02E | $1,989 | $1,491 |
| O03E | $2,133 | $1,599 |
| O01 | $1,290 | $1,116 |
| O02 | $1,458 | $1,251 |
| O03 | $2,019 | $1,575 |
| O04 | $2,268 | $1,701 |
| O05 | $2,436 | $1,827 |
| O06 | $2,454 | $2,010 |
| O07 | $2,472 | $2,043 |
BAH for COLUMBIA/JEFFERSON CITY, MO includes the following zip codes: 63388, 65010, … 65299
2025 BAH FAQs for Missouri
How much did BAH increase in Missouri for 2025?
BAH increased by approximately 4.5% statewide in 2025, with higher gains in suburban Kansas City, Warrensburg, and the Fort Leonard Wood area.
Where is BAH highest in Missouri?
St. Louis County, Jackson County (Kansas City), and ZIPs near Fort Leonard Wood and Whiteman AFB generally have the highest BAH.
What is the BAH for an E-5 with dependents at Whiteman AFB?
In 2025, an E-5 with dependents stationed at Whiteman AFB receives approximately $2,028/month in BAH.
Is BAH enough to rent in Missouri?
Yes. In most cases, BAH fully covers rent and utilities — particularly outside major metros.
Is BAH taxable in Missouri?
No. BAH is a tax-exempt benefit and does not count as income for state or federal taxes.
Can I use BAH income to qualify for a mortgage?
Yes. Lenders count BAH as qualifying income when applying for a VA loan or other mortgage options.
What ZIP codes apply to Fort Leonard Wood?
ZIP 65473 and neighboring areas are used to calculate BAH for Fort Leonard Wood service members.
When are BAH rates updated?
BAH rates are evaluated annually and take effect every January based on housing market data.
