2025 BAH Rates in Nebraska – ZIP Code Housing Allowance
Last Updated June 17th, 2025
The 2025 Basic Allowance for Housing (BAH) rates in Nebraska are now in effect. This monthly, tax-free housing stipend supports active-duty military members who live off base. Your rate is based on your ZIP code, rank, and whether you have dependents. Whether you’re stationed at Offutt AFB, training near Lincoln, or part of a reserve unit in Omaha or Bellevue, your local BAH rates are listed below.
In 2025, Nebraska saw modest BAH increases — especially in ZIPs near Offutt, where housing demand continues to grow. For national comparisons, visit our BAH rate tracker, or check out the Nebraska VA loan guide for tips on using your allowance toward homeownership.
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What is the Basic Allowance for Housing (BAH)?
BAH is a non-taxable monthly housing benefit provided to service members who live off base. In Nebraska, it helps cover rent and utilities for those stationed at Offutt Air Force Base, in Lincoln, Omaha, or other military duty locations across the state.
How BAH Rates Are Determined
- Location: ZIP codes like 68113 (Offutt AFB), 68508 (Lincoln), and 68114 (Omaha) are analyzed for local rental costs.
- Rank: Higher pay grades receive higher BAH amounts.
- Dependents: Members with dependents qualify for higher BAH to reflect family housing needs.
How to Read the BAH Chart
- Locate your base or city ZIP code
- Select your grade (e.g., E-5, O-2)
- Compare the “with dependents” vs “without dependents” monthly amounts
How to Use Your BAH to Buy a Home
Instead of renting, many service members stationed in Nebraska choose to use their BAH to purchase a home with a VA loan. With home prices below the national average in areas like Papillion, Bellevue, and Lincoln, your allowance may be enough to fully cover your mortgage payment.
Benefits of a VA loan in Nebraska include:
- Zero down payment required for most eligible borrowers
- No private mortgage insurance (PMI) — ever
- Lenient credit requirements
- Access to low VA mortgage rates through approved lenders
With stable housing prices and strong military support, buying a home in Nebraska using BAH is often more cost-effective than renting.
Nebraska Housing Costs & BAH Impact
Nebraska remains one of the more affordable housing markets in the Midwest. BAH usually covers full rent near Offutt AFB and in cities like Lincoln or Bellevue. In 2025, increases were seen in growing suburban ZIPs as rental demand slowly climbed. Whether you’re living near base or commuting from Omaha, your allowance should provide solid housing support with minimal out-of-pocket expenses.
Omaha/Offutt AFB, NE BAH Rates
Military Housing Area: NE192
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,740 | $1,305 |
| E02 | $1,740 | $1,305 |
| E03 | $1,740 | $1,305 |
| E04 | $1,740 | $1,305 |
| E05 | $1,932 | $1,449 |
| E06 | $2,313 | $1,734 |
| E07 | $2,337 | $1,755 |
| E08 | $2,346 | $2,013 |
| E09 | $2,433 | $2,121 |
| W01 | $2,334 | $1,752 |
| W02 | $2,343 | $2,010 |
| W03 | $2,355 | $2,136 |
| W04 | $2,478 | $2,310 |
| W05 | $2,667 | $2,319 |
| O01E | $2,340 | $1,929 |
| O02E | $2,349 | $2,097 |
| O03E | $2,505 | $2,307 |
| O01 | $1,986 | $1,545 |
| O02 | $2,310 | $1,872 |
| O03 | $2,352 | $2,175 |
| O04 | $2,730 | $2,313 |
| O05 | $3,024 | $2,322 |
| O06 | $3,048 | $2,325 |
| O07 | $3,072 | $2,343 |
BAH for OMAHA/OFFUTT AFB, NE includes the following zip codes: 51501, 51502, … 68463.
Lincoln, NE BAH Rates
Military Housing Area: NE193
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,473 | $1,146 |
| E02 | $1,473 | $1,146 |
| E03 | $1,473 | $1,146 |
| E04 | $1,473 | $1,146 |
| E05 | $1,587 | $1,275 |
| E06 | $1,911 | $1,434 |
| E07 | $1,977 | $1,482 |
| E08 | $2,046 | $1,656 |
| E09 | $2,148 | $1,746 |
| W01 | $1,932 | $1,449 |
| W02 | $2,007 | $1,653 |
| W03 | $2,094 | $1,758 |
| W04 | $2,172 | $1,923 |
| W05 | $2,271 | $1,992 |
| O01E | $1,983 | $1,584 |
| O02E | $2,079 | $1,725 |
| O03E | $2,184 | $1,905 |
| O01 | $1,635 | $1,353 |
| O02 | $1,908 | $1,554 |
| O03 | $2,091 | $1,794 |
| O04 | $2,301 | $1,974 |
| O05 | $2,448 | $2,010 |
| O06 | $2,469 | $2,073 |
| O07 | $2,487 | $2,109 |
BAH for LINCOLN, NE includes the following zip codes: 68317, 68336, … 68588.
2025 BAH FAQs for Nebraska
How much did BAH increase in Nebraska for 2025?
BAH rates in Nebraska rose by approximately 3.5% on average, with more notable increases near Offutt AFB and Bellevue.
Where is BAH highest in Nebraska?
The highest BAH is typically found in ZIP codes surrounding Offutt AFB, including 68113 and 68123.
What is the BAH for an E-5 with dependents at Offutt AFB?
An E-5 with dependents stationed at Offutt AFB receives approximately $2,076/month in 2025.
Does BAH cover rent in Nebraska?
Yes. In most cases, BAH covers rent and utilities fully, especially in areas like Lincoln, Papillion, and Bellevue.
Is BAH considered taxable income?
No. BAH is a tax-free benefit and is not included in state or federal income calculations.
Can BAH be used to qualify for a mortgage?
Yes. Lenders accept BAH as part of your monthly income when applying for a VA home loan.
What ZIP codes are used for Offutt AFB?
Offutt AFB BAH is primarily calculated using ZIP 68113 and nearby surrounding ZIP codes like 68123.
When do BAH rates reset?
The Department of Defense adjusts BAH rates annually, with new rates taking effect each January.
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