2025 BAH Rates in Ohio – Military Housing Allowance by ZIP
Ohio’s 2025 Basic Allowance for Housing (BAH) rates are now active. These monthly, tax-free payments are available to active-duty military members living off base. Your BAH is calculated based on your location, pay grade, and whether you have dependents. Whether you’re stationed at Wright-Patterson AFB, assigned to Rickenbacker ANGB, or serving in Columbus, Dayton, or Cleveland, your updated rates are below.
BAH adjustments in 2025 reflect modest rental growth in key Ohio metro areas. You can compare trends nationally using our BAH update page or explore VA loan opportunities in our Ohio VA loan guide.
Find out what your BAH qualifies you for in Ohio
View BAH Rates in:
What Is BAH and Who Receives It in Ohio?
The Basic Allowance for Housing (BAH) is a tax-free monthly benefit paid to military members who live off base. In Ohio, it supports personnel stationed at Wright-Patterson AFB (Dayton), Rickenbacker ANGB (Columbus), and other regional military and reserve assignments.
How Are Ohio BAH Rates Determined?
- Location: ZIP codes such as 45433 (Wright-Patt) and 43217 (Rickenbacker ANGB) are priced individually using rental market data.
- Pay Grade: Higher ranks receive a larger monthly housing allowance.
- Dependents: Members with dependents qualify for higher BAH amounts to support family housing needs.
How to Use the 2025 BAH Chart
- Locate your ZIP code or base region
- Select your pay grade (e.g., E-5, O-3)
- Compare monthly rates for “with” and “without” dependents
In this Article
Using BAH to Buy a Home in Ohio
Many service members in Ohio convert their BAH into home equity by purchasing a property with a VA loan. In affordable cities like Fairborn, Huber Heights, and Grove City, monthly BAH often covers an entire mortgage payment — all without needing a down payment.
VA Loan Perks for Ohio Buyers:
- No down payment required for VA-eligible buyers
- No PMI (private mortgage insurance) required
- Manual underwriting options for lower credit scores
- Access to competitive interest rates through VA-approved lenders
Buying with BAH in Ohio can help military families build wealth faster — especially near Wright-Patt and Columbus.
Ohio Housing Costs & BAH Impact
Ohio’s cost of living is among the most affordable in the country, making BAH highly effective across most ZIP codes. In cities like Dayton, Columbus, and Youngstown, BAH often covers full rent and utilities. In 2025, small increases were made to match local rent growth near bases like Wright-Patterson and Rickenbacker. The state’s affordability continues to make Ohio an ideal duty station for maximizing housing benefits.
Akron, OH BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,446 | $1,110 |
| E02 | $1,446 | $1,110 |
| E03 | $1,446 | $1,110 |
| E04 | $1,446 | $1,110 |
| E05 | $1,476 | $1,302 |
| E06 | $1,815 | $1,413 |
| E07 | $1,839 | $1,452 |
| E08 | $1,848 | $1,548 |
| E09 | $1,947 | $1,644 |
| W01 | $1,836 | $1,449 |
| W02 | $1,845 | $1,545 |
| W03 | $1,857 | $1,656 |
| W04 | $1,995 | $1,812 |
| W05 | $2,205 | $1,821 |
| O01E | $1,842 | $1,473 |
| O02E | $1,851 | $1,620 |
| O03E | $2,025 | $1,809 |
| O01 | $1,524 | $1,410 |
| O02 | $1,812 | $1,470 |
| O03 | $1,854 | $1,692 |
| O04 | $2,277 | $1,815 |
| O05 | $2,601 | $1,950 |
| O06 | $2,625 | $1,968 |
| O07 | $2,643 | $1,983 |
BAH for AKRON, OH includes the following zip codes: 44056, 44067, 44087, 44201, 44202, 44203, 44210, 44211, 44212, 44215, 44216, 44221, 44222, 44223, 44224, 44231, 44232, 44233, 44234, 44235, 44236, 44237, 44240, 44241, 44242, 44243, 44250, 44251, 44253, 44254, 44255, 44256, 44258, 44260, 44262, 44264, 44265, 44266, 44272, 44273, 44274, 44275, 44278, 44280, 44281, 44282, 44285, 44286, 44288, 44301, 44302, 44303, 44304, 44305, 44306, 44307, 44308, 44309, 44310, 44311, 44312, 44313, 44314, 44315, 44316, 44317, 44319, 44320, 44321, 44325, 44326, 44328, 44333, 44334, 44372, 44396, 44398, 44411, 44412, 44429, 44449, 44601, 44608, 44613, 44614, 44626, 44630, 44632, 44640, 44641, 44643, 44646, 44647, 44648, 44650, 44652, 44657, 44662, 44666, 44669, 44670, 44685, 44688, 44689, 44701, 44702, 44703, 44704, 44705, 44706, 44707, 44708, 44709, 44710, 44711, 44714, 44718, 44720, 44721, 44730, 44735, 44750, 44767, 44799.
Cincinnati, OH BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,935 | $1,452 |
| E02 | $1,935 | $1,452 |
| E03 | $1,935 | $1,452 |
| E04 | $1,935 | $1,452 |
| E05 | $2,154 | $1,617 |
| E06 | $2,352 | $1,761 |
| E07 | $2,373 | $1,941 |
| E08 | $2,385 | $2,199 |
| E09 | $2,475 | $2,247 |
| W01 | $2,370 | $1,866 |
| W02 | $2,379 | $2,196 |
| W03 | $2,403 | $2,256 |
| W04 | $2,508 | $2,349 |
| W05 | $2,640 | $2,370 |
| O01E | $2,376 | $2,151 |
| O02E | $2,397 | $2,235 |
| O03E | $2,526 | $2,343 |
| O01 | $2,187 | $1,710 |
| O02 | $2,349 | $2,085 |
| O03 | $2,400 | $2,277 |
| O04 | $2,682 | $2,358 |
| O05 | $2,883 | $2,373 |
| O06 | $2,910 | $2,379 |
| O07 | $2,931 | $2,421 |
BAH for CINCINNATI, OH includes the following zip codes: 45001, 45002, 45003, 45004, 45011, 45012, 45013, 45014, 45015, 45018, 45030, 45033, 45041, 45042, 45044, 45050, 45051, 45052, 45053, 45055, 45056, 45061, 45062, 45063, 45064, 45067, 45069, 45071, 45111, 45174, 45201, 45202, 45203, 45204, 45205, 45206, 45207, 45208, 45209, 45211, 45212, 45213, 45214, 45215, 45216, 45217, 45218, 45219, 45220, 45221, 45222, 45223, 45224, 45225, 45226, 45227, 45229, 45230, 45231, 45232, 45233, 45234, 45235, 45236, 45237, 45238, 45239, 45240, 45241, 45242, 45243, 45244, 45246, 45247, 45248, 45249, 45250, 45251, 45252, 45253, 45254, 45255, 45258, 45262, 45263, 45264, 45267, 45268, 45269, 45270, 45271, 45273, 45274, 45275, 45277, 45280, 45296, 45298, 45299, 45999.
Cleveland, OH BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,689 | $1,266 |
| E02 | $1,689 | $1,266 |
| E03 | $1,689 | $1,266 |
| E04 | $1,689 | $1,266 |
| E05 | $1,884 | $1,413 |
| E06 | $2,253 | $1,689 |
| E07 | $2,277 | $1,710 |
| E08 | $2,286 | $1,962 |
| E09 | $2,394 | $2,067 |
| W01 | $2,274 | $1,707 |
| W02 | $2,283 | $1,959 |
| W03 | $2,295 | $2,079 |
| W04 | $2,439 | $2,250 |
| W05 | $2,634 | $2,268 |
| O01E | $2,280 | $1,881 |
| O02E | $2,289 | $2,043 |
| O03E | $2,469 | $2,247 |
| O01 | $1,935 | $1,491 |
| O02 | $2,250 | $1,821 |
| O03 | $2,292 | $2,118 |
| O04 | $2,700 | $2,256 |
| O05 | $2,997 | $2,271 |
| O06 | $3,024 | $2,274 |
| O07 | $3,045 | $2,304 |
BAH for CLEVELAND, OH includes the following zip codes: 44001, 44011, 44012, 44017, 44021, 44022, 44023, 44024, 44026, 44028, 44033, 44035, 44036, 44039, 44040, 44044, 44045, 44046, 44049, 44050, 44052, 44053, 44054, 44055, 44057, 44060, 44061, 44062, 44064, 44065, 44070, 44072, 44073, 44074, 44077, 44080, 44081, 44086, 44090, 44092, 44094, 44095, 44096, 44097, 44101, 44102, 44103, 44104, 44105, 44106, 44107, 44108, 44109, 44110, 44111, 44112, 44113, 44114, 44115, 44116, 44117, 44118, 44119, 44120, 44121, 44122, 44123, 44124, 44125, 44126, 44127, 44128, 44129, 44130, 44131, 44132, 44133, 44134, 44135, 44136, 44137, 44138, 44139, 44140, 44141, 44142, 44143, 44144, 44145, 44146, 44147, 44149, 44181, 44188, 44190, 44191, 44192, 44193, 44194, 44195, 44197, 44198, 44199.
Columbus, OH BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,710 | $1,380 |
| E02 | $1,710 | $1,380 |
| E03 | $1,710 | $1,380 |
| E04 | $1,710 | $1,380 |
| E05 | $1,785 | $1,536 |
| E06 | $2,172 | $1,632 |
| E07 | $2,271 | $1,710 |
| E08 | $2,376 | $1,869 |
| E09 | $2,493 | $1,977 |
| W01 | $2,193 | $1,698 |
| W02 | $2,316 | $1,866 |
| W03 | $2,442 | $1,992 |
| W04 | $2,514 | $2,193 |
| W05 | $2,601 | $2,295 |
| O01E | $2,286 | $1,782 |
| O02E | $2,427 | $1,953 |
| O03E | $2,523 | $2,166 |
| O01 | $1,839 | $1,629 |
| O02 | $2,169 | $1,764 |
| O03 | $2,439 | $2,031 |
| O04 | $2,625 | $2,271 |
| O05 | $2,751 | $2,328 |
| O06 | $2,775 | $2,424 |
| O07 | $2,796 | $2,469 |
BAH for COLUMBUS, OH includes the following zip codes: 43001, 43002, 43004, 43008, 43013, 43016, 43017, 43018, 43023, 43025, 43026, 43027, 43030, 43031, 43033, 43046, 43054, 43055, 43056, 43058, 43062, 43068, 43069, 43071, 43073, 43080, 43081, 43085, 43086, 43093, 43102, 43105, 43107, 43109, 43110, 43112, 43119, 43123, 43125, 43126, 43130, 43136, 43137, 43147, 43148, 43150, 43154, 43155, 43157, 43194, 43195, 43199, 43201, 43202, 43203, 43204, 43205, 43206, 43207, 43209, 43210, 43211, 43212, 43213, 43214, 43215, 43216, 43217, 43218, 43219, 43220, 43221, 43222, 43223, 43224, 43226, 43227, 43228, 43229, 43230, 43231, 43232, 43234, 43235, 43236, 43251, 43260, 43266, 43268, 43270, 43271, 43272, 43279, 43287, 43291, 43721, 43740.
Wright-Patterson AFB, OH BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,434 | $1,089 |
| E02 | $1,434 | $1,089 |
| E03 | $1,434 | $1,089 |
| E04 | $1,434 | $1,089 |
| E05 | $1,536 | $1,239 |
| E06 | $1,740 | $1,335 |
| E07 | $1,815 | $1,434 |
| E08 | $1,899 | $1,581 |
| E09 | $2,046 | $1,632 |
| W01 | $1,755 | $1,410 |
| W02 | $1,851 | $1,578 |
| W03 | $1,956 | $1,641 |
| W04 | $2,082 | $1,749 |
| W05 | $2,238 | $1,833 |
| O01E | $1,827 | $1,533 |
| O02E | $1,941 | $1,620 |
| O03E | $2,103 | $1,728 |
| O01 | $1,566 | $1,329 |
| O02 | $1,737 | $1,506 |
| O03 | $1,953 | $1,662 |
| O04 | $2,292 | $1,815 |
| O05 | $2,532 | $1,899 |
| O06 | $2,553 | $1,935 |
| O07 | $2,571 | $1,968 |
BAH for WRIGHT-PATTERSON AFB, OH includes the following zip codes: 43010, 45301, 45305, 45307, 45309, 45314, 45315, 45316, 45319, 45322, 45323, 45324, 45325, 45327, 45335, 45341, 45342, 45343, 45344, 45345, 45349, 45354, 45368, 45369, 45370, 45372, 45377, 45384, 45385, 45387, 45401, 45402, 45403, 45404, 45405, 45406, 45409, 45410, 45412, 45413, 45414, 45415, 45416, 45417, 45419, 45420, 45422, 45423, 45424, 45426, 45428, 45429, 45430, 45431, 45432, 45433, 45434, 45435, 45437, 45439, 45440, 45441, 45448, 45449, 45458, 45459, 45469, 45470, 45475, 45479, 45481, 45482, 45490, 45501, 45502, 45503, 45504, 45505, 45506.
Toledo, OH BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,716 | $1,287 |
| E02 | $1,716 | $1,287 |
| E03 | $1,716 | $1,287 |
| E04 | $1,716 | $1,287 |
| E05 | $1,965 | $1,473 |
| E06 | $2,064 | $1,545 |
| E07 | $2,082 | $1,725 |
| E08 | $2,091 | $1,989 |
| E09 | $2,172 | $2,007 |
| W01 | $2,079 | $1,638 |
| W02 | $2,088 | $1,986 |
| W03 | $2,100 | $2,013 |
| W04 | $2,211 | $2,055 |
| W05 | $2,388 | $2,064 |
| O01E | $2,085 | $1,962 |
| O02E | $2,094 | $2,001 |
| O03E | $2,238 | $2,052 |
| O01 | $1,986 | $1,491 |
| O02 | $2,061 | $1,884 |
| O03 | $2,097 | $2,022 |
| O04 | $2,448 | $2,058 |
| O05 | $2,721 | $2,067 |
| O06 | $2,745 | $2,070 |
| O07 | $2,766 | $2,082 |
BAH for TOLEDO, OH includes the following zip codes: 43402, 43403, 43406, 43413, 43414, 43434, 43437, 43441, 43443, 43447, 43450, 43451, 43457, 43460, 43462, 43463, 43465, 43466, 43467, 43504, 43511, 43522, 43525, 43528, 43529, 43537, 43541, 43542, 43547, 43551, 43552, 43558, 43560, 43565, 43566, 43569, 43571, 43601, 43603, 43604, 43605, 43606, 43607, 43608, 43609, 43610, 43611, 43612, 43613, 43614, 43615, 43616, 43617, 43619, 43620, 43623, 43635, 43652, 43654, 43656, 43657, 43659, 43660, 43661, 43666, 43667, 43681, 43682, 43697, 43699, 44817, 45872, 48110, 48117, 48131, 48133, 48140, 48144, 48145, 48157, 48159, 48161, 48162, 48166, 48177, 48179, 48182, 49267, 49270.
Youngstown, OH BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,089 | $864 |
| E02 | $1,089 | $864 |
| E03 | $1,089 | $864 |
| E04 | $1,089 | $864 |
| E05 | $1,167 | $948 |
| E06 | $1,293 | $1,011 |
| E07 | $1,425 | $1,089 |
| E08 | $1,569 | $1,200 |
| E09 | $1,671 | $1,254 |
| W01 | $1,308 | $1,074 |
| W02 | $1,485 | $1,197 |
| W03 | $1,662 | $1,257 |
| W04 | $1,677 | $1,317 |
| W05 | $1,701 | $1,458 |
| O01E | $1,446 | $1,164 |
| O02E | $1,638 | $1,230 |
| O03E | $1,680 | $1,281 |
| O01 | $1,191 | $1,005 |
| O02 | $1,290 | $1,146 |
| O03 | $1,656 | $1,260 |
| O04 | $1,704 | $1,428 |
| O05 | $1,725 | $1,509 |
| O06 | $1,740 | $1,644 |
| O07 | $1,749 | $1,671 |
BAH for YOUNGSTOWN, OH includes the following zip codes: 44401, 44402, 44403, 44404, 44405, 44406, 44410, 44416, 44417, 44418, 44420, 44422, 44424, 44425, 44428, 44430, 44436, 44437, 44438, 44439, 44440, 44442, 44443, 44444, 44446, 44450, 44451, 44452, 44453, 44454, 44470, 44471, 44473, 44481, 44482, 44483, 44484, 44485, 44486, 44491, 44501, 44502, 44503, 44504, 44505, 44506, 44507, 44509, 44510, 44511, 44512, 44513, 44514, 44515, 44555, 44609, 44619, 44672.
2025 BAH FAQs for Ohio
How much did BAH increase in Ohio for 2025?
BAH increased by approximately 3.9% statewide, with the most noticeable changes in Columbus and Dayton metro ZIP codes.
Which areas in Ohio have the highest BAH?
BAH is generally highest in ZIPs near Rickenbacker ANGB (43217), parts of Columbus, and Wright-Patterson AFB (45433).
What is the 2025 BAH for an E-5 with dependents at Wright-Patt?
An E-5 with dependents stationed at Wright-Patterson AFB receives about $2,145/month in 2025.
Can BAH fully cover rent in Ohio?
Yes. BAH generally covers rent and utilities in most Ohio cities, particularly in suburban ZIPs near Dayton and Columbus.
Is BAH taxable income in Ohio?
No. BAH is fully exempt from federal and state income tax reporting.
Can I use BAH to qualify for a mortgage?
Yes. Lenders treat BAH as reliable income when determining VA loan eligibility.
What ZIP is used for Rickenbacker ANGB?
ZIP code 43217 (Columbus, OH) is used for BAH purposes at Rickenbacker ANGB.
When do new BAH rates take effect?
BAH is recalculated annually and updates are released every January by the Department of Defense.
