2025 BAH Rates in North Dakota – Military Housing by ZIP Code
Last Updated June 17th, 2025
North Dakota’s 2025 Basic Allowance for Housing (BAH) rates are now in effect. These monthly, tax-free payments help military personnel afford off-base housing and vary by location, rank, and dependent status. Whether you’re stationed at Minot AFB, Grand Forks AFB, or working in Fargo, Bismarck, or Williston, your ZIP-based housing allowance is listed below.
BAH increases in 2025 were modest across the state, with slight adjustments in Minot and Grand Forks to reflect recent rental market changes. You can compare national shifts on our BAH update page or explore local home loan opportunities in the North Dakota VA loan guide.
See how far your BAH goes in North Dakota
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What Is BAH and How Does It Apply in North Dakota?
BAH is a monthly, non-taxable housing allowance provided to military members living off base. In North Dakota, this includes personnel assigned to Minot Air Force Base, Grand Forks AFB, and recruiters in cities like Fargo, Bismarck, and Dickinson.
How Are BAH Rates Determined?
- Location: ZIP codes like 58705 (Minot AFB) and 58205 (Grand Forks AFB) are assessed annually based on local rental costs.
- Rank: BAH is tiered by pay grade — higher ranks receive larger allowances.
- Dependents: Service members with dependents receive a higher BAH to account for family housing needs.
How to Read the 2025 BAH Charts
- Find your ZIP code or duty location
- Select your military pay grade (E-5, O-2, etc.)
- Compare rates for with vs. without dependents
How to Use Your BAH to Buy a Home in North Dakota
Rather than renting, many service members in North Dakota use their BAH toward a VA-backed home loan. In cities like Minot, Grand Forks, and Fargo, home prices are reasonable enough that BAH may cover your entire mortgage — especially with $0 down through the VA loan program.
Why a VA Loan Works Well in North Dakota:
- No down payment required in most cases
- No monthly mortgage insurance (PMI)
- Flexible credit standards and manual underwriting
- Competitive interest rates for qualified buyers
With steady home prices and minimal competition, using BAH to buy in North Dakota is a strong long-term play for military families.
North Dakota Housing Costs & BAH Impact
North Dakota’s rental market remains highly affordable compared to most states. In Minot, Grand Forks, and Bismarck, BAH often fully covers rent and basic utilities. In 2025, adjustments were minor, reflecting overall stability in the state’s rental prices. This makes North Dakota one of the most favorable locations for military members looking to stretch their BAH effectively.
View North Dakota BAH Rate FAQs
Bismarck, ND BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,359 | $1,038 |
| E02 | $1,359 | $1,038 |
| E03 | $1,359 | $1,038 |
| E04 | $1,359 | $1,038 |
| E05 | $1,506 | $1,143 |
| E06 | $2,073 | $1,554 |
| E07 | $2,109 | $1,581 |
| E08 | $2,142 | $1,623 |
| E09 | $2,175 | $1,788 |
| W01 | $2,094 | $1,572 |
| W02 | $2,124 | $1,620 |
| W03 | $2,169 | $1,809 |
| W04 | $2,178 | $2,076 |
| W05 | $2,199 | $2,115 |
| O01E | $2,112 | $1,587 |
| O02E | $2,160 | $1,752 |
| O03E | $2,181 | $2,067 |
| O01 | $1,578 | $1,206 |
| O02 | $2,067 | $1,584 |
| O03 | $2,166 | $1,869 |
| O04 | $2,202 | $2,100 |
| O05 | $2,217 | $2,118 |
| O06 | $2,235 | $2,148 |
| O07 | $2,250 | $2,184 |
BAH for BISMARCK, ND includes the following zip codes: 58477, 58494, 58501, 58502, 58503, 58504, 58505, 58506, 58507, 58520, 58521, 58532, 58535, 58554, 58558, 58560, 58563, 58566, 58572, 58631, 58638.
Fargo, ND BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,332 | $1,041 |
| E02 | $1,332 | $1,041 |
| E03 | $1,332 | $1,041 |
| E04 | $1,332 | $1,041 |
| E05 | $1,509 | $1,131 |
| E06 | $2,115 | $1,587 |
| E07 | $2,172 | $1,629 |
| E08 | $2,226 | $1,671 |
| E09 | $2,313 | $1,812 |
| W01 | $2,136 | $1,602 |
| W02 | $2,193 | $1,644 |
| W03 | $2,265 | $1,836 |
| W04 | $2,334 | $2,124 |
| W05 | $2,421 | $2,184 |
| O01E | $2,175 | $1,635 |
| O02E | $2,256 | $1,773 |
| O03E | $2,346 | $2,109 |
| O01 | $1,587 | $1,191 |
| O02 | $2,109 | $1,632 |
| O03 | $2,262 | $1,896 |
| O04 | $2,448 | $2,166 |
| O05 | $2,577 | $2,193 |
| O06 | $2,598 | $2,244 |
| O07 | $2,616 | $2,283 |
BAH for FARGO, ND includes the following zip codes: 56514, 56525, 56529, 56536, 56546, 56547, 56549, 56552, 56560, 56561, 56562, 56563, 56580, 56585, 58002, 58004, 58005, 58006, 58007, 58011, 58012, 58021, 58029, 58036, 58038, 58042, 58047, 58048, 58051, 58052, 58059, 58064, 58071, 58078, 58079, 58102, 58103, 58104, 58105, 58106, 58107, 58108, 58109, 58121, 58122, 58124, 58125, 58126.
Grand Forks, ND BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,380 | $1,071 |
| E02 | $1,380 | $1,071 |
| E03 | $1,380 | $1,071 |
| E04 | $1,380 | $1,071 |
| E05 | $1,587 | $1,191 |
| E06 | $1,818 | $1,362 |
| E07 | $1,869 | $1,401 |
| E08 | $1,920 | $1,638 |
| E09 | $2,034 | $1,698 |
| W01 | $1,836 | $1,377 |
| W02 | $1,890 | $1,635 |
| W03 | $1,959 | $1,707 |
| W04 | $2,067 | $1,821 |
| W05 | $2,202 | $1,878 |
| O01E | $1,872 | $1,584 |
| O02E | $1,947 | $1,683 |
| O03E | $2,085 | $1,809 |
| O01 | $1,623 | $1,218 |
| O02 | $1,815 | $1,521 |
| O03 | $1,956 | $1,731 |
| O04 | $2,244 | $1,863 |
| O05 | $2,451 | $1,890 |
| O06 | $2,469 | $1,938 |
| O07 | $2,487 | $1,971 |
BAH for GRAND FORKS, ND includes the following zip codes: 58201, 58202, 58203, 58204, 58205, 58206, 58207, 58208, 58214, 58228, 58235, 58244, 58251, 58256, 58258, 58266, 58267, 58275, 58278.
Minot AFB, ND BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,356 | $1,059 |
| E02 | $1,356 | $1,059 |
| E03 | $1,356 | $1,059 |
| E04 | $1,356 | $1,059 |
| E05 | $1,458 | $1,179 |
| E06 | $1,878 | $1,410 |
| E07 | $1,935 | $1,452 |
| E08 | $1,992 | $1,545 |
| E09 | $2,091 | $1,665 |
| W01 | $1,899 | $1,425 |
| W02 | $1,959 | $1,542 |
| W03 | $2,034 | $1,683 |
| W04 | $2,115 | $1,887 |
| W05 | $2,217 | $1,947 |
| O01E | $1,941 | $1,458 |
| O02E | $2,022 | $1,638 |
| O03E | $2,130 | $1,872 |
| O01 | $1,515 | $1,254 |
| O02 | $1,875 | $1,455 |
| O03 | $2,031 | $1,725 |
| O04 | $2,250 | $1,932 |
| O05 | $2,403 | $1,959 |
| O06 | $2,424 | $2,013 |
| O07 | $2,439 | $2,049 |
BAH for MINOT AFB, ND includes the following zip codes: 58701, 58702, 58703, 58704, 58705, 58707, 58718, 58722, 58725, 58733, 58734, 58735, 58740, 58746, 58756, 58761, 58779, 58781, 58782, 58785, 58787.
2025 BAH FAQs for North Dakota
How much did BAH increase in North Dakota for 2025?
BAH increased by about 2.8% statewide, with minor adjustments near Minot and Grand Forks.
Where is BAH highest in North Dakota?
Minot AFB (ZIP 58705) and Grand Forks AFB (ZIP 58205) have the highest BAH rates due to the size of local military communities.
What is the 2025 BAH for an E-5 with dependents at Minot AFB?
An E-5 with dependents stationed at Minot AFB receives approximately $1,977/month in 2025.
Will BAH cover rent in North Dakota?
Yes. In most cases, BAH fully covers housing costs, especially in rural or suburban ZIP codes.
Is BAH considered taxable income?
No. BAH is tax-free and not included in federal or state income calculations.
Can BAH be used as income for a VA loan?
Yes. VA-approved lenders accept BAH as stable income for mortgage qualification purposes.
What ZIP code applies to Grand Forks AFB?
ZIP 58205 is used for BAH calculation at Grand Forks Air Force Base.
When do BAH rates update?
Rates are updated annually by the Department of Defense and take effect every January.
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