2025 BAH Rates in Oklahoma – Monthly Military Housing by ZIP
The 2025 Basic Allowance for Housing (BAH) rates in Oklahoma are now official. These monthly, tax-free payments are designed to help military personnel afford off-base housing throughout the state. Whether you’re stationed at Tinker AFB, Fort Sill, Vance AFB, or serving in the Oklahoma City metro, your housing allowance depends on ZIP code, rank, and dependent status.
BAH increased slightly across the state in 2025, with the most notable changes around Lawton, OKC, and Enid. Explore national comparisons with our BAH rate tracker, or view buying options in the Oklahoma VA loan guide.
Find out how far your BAH goes in Oklahoma
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In this Article
How to Use Your BAH to Purchase a Home in Oklahoma
Instead of renting, many Oklahoma service members use their BAH to purchase a home through a VA loan. With affordable home prices in towns like Lawton, Edmond, and Mustang, your BAH may be enough to fully cover your monthly mortgage.
Benefits of VA Loans in Oklahoma:
- No down payment required for eligible borrowers
- No private mortgage insurance (PMI)
- Manual underwriting options for flexible credit approval
- Competitive interest rates available for VA buyers
With generous BAH levels and a buyer-friendly market, Oklahoma is a great place to turn housing allowance into home equity.
What Is the Basic Allowance for Housing (BAH)?
BAH is a non-taxable monthly housing payment for service members who live off base. In Oklahoma, this includes personnel assigned to Tinker AFB (Oklahoma City), Fort Sill (Lawton), Vance AFB (Enid), and recruiting posts across Tulsa and Edmond.
How BAH Is Calculated in Oklahoma
- Location: ZIP codes like 73145 (Tinker AFB), 73503 (Fort Sill), and 73705 (Vance AFB) are priced using local rent data.
- Pay Grade: Higher ranks receive larger BAH to support housing needs.
- Dependents: Service members with dependents receive higher BAH to account for family housing.
Using the 2025 BAH Chart
- Find your duty station’s ZIP or Military Housing Area (MHA)
- Select your pay grade (e.g., E-5, O-2)
- Compare the monthly rates for with vs. without dependents
Oklahoma Housing Costs & BAH Impact
Oklahoma’s housing market remains among the most affordable in the U.S., making it easier for military families to stretch their BAH. In Lawton and Enid, BAH generally covers rent entirely, while in OKC suburbs like Midwest City or Moore, BAH often leaves room for savings. In 2025, slight BAH increases aligned with rising rents in Oklahoma City and surrounding ZIP codes.
ALTUS AFB, OK BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,122 | $891 |
| E02 | $1,122 | $891 |
| E03 | $1,122 | $891 |
| E04 | $1,122 | $891 |
| E05 | $1,227 | $963 |
| E06 | $1,473 | $1,104 |
| E07 | $1,584 | $1,188 |
| E08 | $1,704 | $1,281 |
| E09 | $1,857 | $1,392 |
| W01 | $1,491 | $1,119 |
| W02 | $1,635 | $1,278 |
| W03 | $1,782 | $1,395 |
| W04 | $1,890 | $1,494 |
| W05 | $2,019 | $1,611 |
| O01E | $1,602 | $1,224 |
| O02E | $1,761 | $1,329 |
| O03E | $1,905 | $1,464 |
| O01 | $1,263 | $1,014 |
| O02 | $1,470 | $1,194 |
| O03 | $1,779 | $1,398 |
| O04 | $2,061 | $1,584 |
| O05 | $2,259 | $1,695 |
| O06 | $2,277 | $1,764 |
| O07 | $2,292 | $1,794 |
BAH for ALTUS AFB, OK includes the following zip codes: 73521, 73522, 73523, 73526, 73532, 73537, 73539, 73549, 73556, 73560
VANCE AFB/ENID, OK BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,077 | $870 |
| E02 | $1,077 | $870 |
| E03 | $1,077 | $870 |
| E04 | $1,077 | $870 |
| E05 | $1,158 | $942 |
| E06 | $1,434 | $1,074 |
| E07 | $1,536 | $1,152 |
| E08 | $1,644 | $1,233 |
| E09 | $1,806 | $1,356 |
| W01 | $1,452 | $1,089 |
| W02 | $1,581 | $1,215 |
| W03 | $1,716 | $1,359 |
| W04 | $1,842 | $1,452 |
| W05 | $1,995 | $1,560 |
| O01E | $1,551 | $1,164 |
| O02E | $1,698 | $1,275 |
| O03E | $1,863 | $1,425 |
| O01 | $1,197 | $996 |
| O02 | $1,431 | $1,155 |
| O03 | $1,713 | $1,362 |
| O04 | $2,046 | $1,536 |
| O05 | $2,280 | $1,710 |
| O06 | $2,301 | $1,725 |
| O07 | $2,316 | $1,737 |
BAH for VANCE AFB/ENID, OK includes the following zip codes: 73701, 73702, 73703, 73705, 73706, 73720, 73727, 73730, 73733, 73735, 73736, 73738, 73743, 73753, 73754, 73773, 74640
FORT SILL/LAWTON, OK BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,170 | $951 |
| E02 | $1,170 | $951 |
| E03 | $1,170 | $951 |
| E04 | $1,170 | $951 |
| E05 | $1,248 | $1,035 |
| E06 | $1,455 | $1,095 |
| E07 | $1,560 | $1,170 |
| E08 | $1,674 | $1,293 |
| E09 | $1,824 | $1,368 |
| W01 | $1,470 | $1,158 |
| W02 | $1,608 | $1,290 |
| W03 | $1,749 | $1,371 |
| W04 | $1,854 | $1,470 |
| W05 | $1,983 | $1,584 |
| O01E | $1,575 | $1,245 |
| O02E | $1,731 | $1,332 |
| O03E | $1,872 | $1,443 |
| O01 | $1,281 | $1,092 |
| O02 | $1,452 | $1,227 |
| O03 | $1,746 | $1,374 |
| O04 | $2,025 | $1,560 |
| O05 | $2,217 | $1,662 |
| O06 | $2,235 | $1,731 |
| O07 | $2,250 | $1,761 |
BAH for FORT SILL/LAWTON, OK includes the following zip codes: 73501, 73502, 73503, 73505, 73506, 73507, 73527, 73528, 73538, 73540, 73541, 73543, 73552, 73557, 73558, 73567
OKLAHOMA CITY, OK BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,518 | $1,197 |
| E02 | $1,518 | $1,197 |
| E03 | $1,518 | $1,197 |
| E04 | $1,518 | $1,197 |
| E05 | $1,623 | $1,332 |
| E06 | $1,827 | $1,419 |
| E07 | $1,866 | $1,518 |
| E08 | $1,911 | $1,668 |
| E09 | $2,007 | $1,719 |
| W01 | $1,842 | $1,497 |
| W02 | $1,884 | $1,665 |
| W03 | $1,944 | $1,728 |
| W04 | $2,034 | $1,827 |
| W05 | $2,148 | $1,875 |
| O01E | $1,869 | $1,620 |
| O02E | $1,935 | $1,707 |
| O03E | $2,049 | $1,815 |
| O01 | $1,653 | $1,413 |
| O02 | $1,824 | $1,593 |
| O03 | $1,941 | $1,749 |
| O04 | $2,181 | $1,860 |
| O05 | $2,352 | $1,881 |
| O06 | $2,373 | $1,923 |
| O07 | $2,388 | $1,956 |
BAH for OKLAHOMA CITY, OK includes the following zip codes: 73003, 73007, 73008, 73012, 73013, 73014, 73019, 73020, 73022, 73025, 73026, 73034, 73036, 73045, 73049, 73051, 73054, 73064, 73066, 73068, 73069, 73070, 73071, 73072, 73078, 73083, 73084, 73085, 73090, 73097, 73099, 73101, 73102, 73103, 73104, 73105, 73106, 73107, 73108, 73109, 73110, 73111, 73112, 73113, 73114, 73115, 73116, 73117, 73118, 73119, 73120, 73121, 73122, 73123, 73124, 73125, 73126, 73127, 73128, 73129, 73130, 73131, 73132, 73134, 73135, 73136, 73137, 73139, 73140, 73141, 73142, 73143, 73144, 73145, 73146, 73147, 73148, 73149, 73150, 73151, 73152, 73153, 73154, 73155, 73156, 73157, 73159, 73160, 73162, 73163, 73164, 73165, 73167, 73169, 73170, 73172, 73173, 73178, 73179, 73184, 73189, 73190, 73194, 73195, 73196, 74857
TULSA, OK BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,419 | $1,068 |
| E02 | $1,419 | $1,068 |
| E03 | $1,419 | $1,068 |
| E04 | $1,419 | $1,068 |
| E05 | $1,488 | $1,245 |
| E06 | $1,746 | $1,350 |
| E07 | $1,815 | $1,419 |
| E08 | $1,890 | $1,545 |
| E09 | $2,037 | $1,611 |
| W01 | $1,764 | $1,410 |
| W02 | $1,845 | $1,542 |
| W03 | $1,941 | $1,623 |
| W04 | $2,079 | $1,755 |
| W05 | $2,247 | $1,833 |
| O01E | $1,824 | $1,485 |
| O02E | $1,926 | $1,596 |
| O03E | $2,100 | $1,737 |
| O01 | $1,527 | $1,347 |
| O02 | $1,743 | $1,470 |
| O03 | $1,938 | $1,650 |
| O04 | $2,304 | $1,812 |
| O05 | $2,565 | $1,923 |
| O06 | $2,586 | $1,941 |
| O07 | $2,604 | $1,953 |
BAH for TULSA, OK includes the following zip codes: 74008, 74011, 74012, 74013, 74014, 74015, 74016, 74017, 74018, 74019, 74021, 74031, 74033, 74036, 74037, 74043, 74050, 74053, 74055, 74063, 74070, 74073, 74080, 74101, 74102, 74103, 74104, 74105, 74106, 74107, 74108, 74110, 74112, 74114, 74115, 74116, 74117, 74119, 74120, 74121, 74126, 74127, 74128, 74129, 74130, 74132, 74133, 74134, 74135, 74136, 74137, 74141, 74145, 74146, 74147, 74148, 74149, 74150, 74152, 74153, 74155, 74156, 74157, 74158, 74159, 74169, 74170, 74171, 74172, 74182, 74186, 74187, 74192, 74193, 74429, 74446, 74454, 74458, 74467, 74477
2025 BAH FAQs for Oklahoma
How much did BAH increase in Oklahoma for 2025?
BAH rose by about 3.5% on average across Oklahoma in 2025, with the highest changes seen in Oklahoma City and Lawton ZIPs.
Where is BAH highest in Oklahoma?
BAH is highest near Tinker AFB (73145), with slightly lower rates in Enid and Lawton.
What is the BAH for an E-5 with dependents at Fort Sill?
In 2025, an E-5 with dependents stationed at Fort Sill receives approximately $2,004/month.
Can BAH cover rent in Oklahoma?
Yes. In most ZIP codes, BAH is enough to fully cover monthly rent and utilities, especially near Fort Sill and Vance AFB.
Is BAH taxable income?
No. BAH is not taxed and is excluded from both state and federal income calculations.
Can I use BAH to qualify for a VA loan?
Yes. BAH counts as stable, recurring income and helps determine eligibility for a VA home loan.
What ZIP is used for Vance AFB?
Vance AFB uses ZIP code 73705 in Enid, OK for BAH rate determination.
When do BAH rates update?
BAH rates are adjusted annually based on rental market data and take effect every January.
