2025 BAH Rates in Oregon – Military Housing Allowance by ZIP Code
Last Updated June 17th, 2025
The 2025 Basic Allowance for Housing (BAH) rates in Oregon are now active. These tax-free monthly payments help military service members afford off-base housing throughout the state. Whether you’re stationed at Kingsley Field in Klamath Falls, attached to a reserve unit in Portland, or part of the Oregon National Guard, your BAH depends on your ZIP code, rank, and dependency status.
Oregon’s 2025 BAH increases were most significant in Portland-area ZIPs and the Willamette Valley. For nationwide comparisons, check our national BAH trends page or explore local lending options in our Oregon VA loan guide.
See how far your BAH goes in Oregon
View BAH Rates in:
Using Your BAH to Buy a Home in Oregon
Rather than renting, many Oregon-based service members apply their BAH toward a VA home loan. In cities like Albany, Medford, or Klamath Falls, BAH is often enough to cover a full monthly mortgage — especially since VA loans require no down payment.
VA Loan Advantages in Oregon:
- Zero down payment for most qualified buyers
- No private mortgage insurance (PMI) ever
- Manual underwriting options for less-than-perfect credit
- Access to low VA interest rates through approved lenders
With competitive home prices and strong veteran support, using BAH to build equity in Oregon is often a smarter choice than renting.
What Is BAH and How Does It Work in Oregon?
BAH (Basic Allowance for Housing) is a tax-free monthly payment given to active-duty military members who live off base. In Oregon, this includes personnel at Kingsley Field ANG Base, Portland-area reserve units, and Army and Air Guard stations across the state.
How Oregon BAH Rates Are Calculated
- ZIP Code: Rental data is analyzed in ZIPs like 97603 (Kingsley Field), 97203 (Portland), and 97401 (Eugene).
- Rank: Higher-ranking service members receive more BAH to support larger housing needs.
- Dependents: Members with dependents qualify for an increased allowance to support family housing.
Using the 2025 BAH Chart
- Identify your duty station’s ZIP or nearest housing area
- Choose your pay grade (E-4, O-2, etc.)
- Check the monthly rate for with vs. without dependents
Oregon Housing Costs & BAH Impact
Oregon has a wide housing cost spectrum, with urban areas like Portland and Salem trending higher, while towns like Klamath Falls or Bend remain more affordable. In 2025, BAH increases were concentrated in rising rental markets like Eugene and the Portland suburbs. Most service members in rural or mid-size ZIPs will find their BAH covers rent fully, while those in high-cost urban areas may still face out-of-pocket expenses.
Astoria, OR BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,839 | $1,404 |
| E02 | $1,839 | $1,404 |
| E03 | $1,839 | $1,404 |
| E04 | $1,839 | $1,404 |
| E05 | $2,010 | $1,566 |
| E06 | $2,622 | $1,968 |
| E07 | $2,748 | $2,061 |
| E08 | $2,880 | $2,160 |
| E09 | $3,036 | $2,316 |
| W01 | $2,643 | $1,983 |
| W02 | $2,805 | $2,133 |
| W03 | $2,967 | $2,337 |
| W04 | $3,063 | $2,649 |
| W05 | $3,180 | $2,778 |
| O01E | $2,769 | $2,076 |
| O02E | $2,946 | $2,277 |
| O03E | $3,078 | $2,616 |
| O01 | $2,088 | $1,662 |
| O02 | $2,616 | $2,064 |
| O03 | $2,964 | $2,400 |
| O04 | $3,216 | $2,751 |
| O05 | $3,393 | $2,826 |
| O06 | $3,423 | $2,949 |
| O07 | $3,450 | $3,003 |
BAH for ASTORIA, OR includes the following zip codes: 97102, 97103, 97110, 97121, 97138, 97145, 97146, 98527, 98554, 98561, 98577, 98586, 98590, 98614, 98621, 98624, 98631, 98637, 98638, 98640, 98641, 98643, 98644
Coos Bay, OR BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,665 | $1,248 |
| E02 | $1,665 | $1,248 |
| E03 | $1,665 | $1,248 |
| E04 | $1,665 | $1,248 |
| E05 | $1,842 | $1,383 |
| E06 | $2,235 | $1,674 |
| E07 | $2,418 | $1,815 |
| E08 | $2,613 | $1,959 |
| E09 | $2,787 | $2,091 |
| W01 | $2,256 | $1,692 |
| W02 | $2,499 | $1,923 |
| W03 | $2,739 | $2,094 |
| W04 | $2,808 | $2,274 |
| W05 | $2,892 | $2,463 |
| O01E | $2,451 | $1,839 |
| O02E | $2,706 | $2,031 |
| O03E | $2,820 | $2,226 |
| O01 | $1,896 | $1,485 |
| O02 | $2,232 | $1,818 |
| O03 | $2,733 | $2,097 |
| O04 | $2,919 | $2,427 |
| O05 | $3,042 | $2,538 |
| O06 | $3,069 | $2,721 |
| O07 | $3,093 | $2,772 |
BAH for COOS BAY, OR includes the following zip codes: 97407, 97410, 97411, 97414, 97416, 97417, 97420, 97423, 97429, 97432, 97435, 97436, 97441, 97442, 97443, 97447, 97449, 97457, 97458, 97459, 97462, 97466, 97467, 97469, 97470, 97471, 97473, 97479, 97481, 97484, 97486, 97494, 97495, 97496, 97499
Portland, OR BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,169 | $1,656 |
| E02 | $2,169 | $1,656 |
| E03 | $2,169 | $1,656 |
| E04 | $2,169 | $1,656 |
| E05 | $2,337 | $1,872 |
| E06 | $2,679 | $2,010 |
| E07 | $2,769 | $2,172 |
| E08 | $2,865 | $2,412 |
| E09 | $3,036 | $2,505 |
| W01 | $2,697 | $2,118 |
| W02 | $2,808 | $2,409 |
| W03 | $2,928 | $2,520 |
| W04 | $3,078 | $2,694 |
| W05 | $3,258 | $2,790 |
| O01E | $2,781 | $2,334 |
| O02E | $2,910 | $2,484 |
| O03E | $3,102 | $2,670 |
| O01 | $2,385 | $1,995 |
| O02 | $2,676 | $2,286 |
| O03 | $2,925 | $2,553 |
| O04 | $3,321 | $2,769 |
| O05 | $3,603 | $2,820 |
| O06 | $3,633 | $2,910 |
| O07 | $3,663 | $2,961 |
BAH for PORTLAND, OR includes the following zip codes: 97003, 97004, 97005, 97006, 97007, 97008, 97009, 97010, 97011, 97013, 97015, 97017, 97019, 97022, 97023, 97024, 97027, 97028, 97030, 97034, 97035, 97036, 97038, 97042, 97045, 97049, 97055, 97060, 97062, 97067, 97068, 97070, 97075, 97076, 97077, 97078, 97079, 97080, 97086, 97089, 97106, 97109, 97113, 97116, 97117, 97119, 97123, 97124, 97125, 97129, 97133, 97140, 97144, 97201, 97202, 97203, 97204, 97205, 97206, 97207, 97208, 97209, 97210, 97211, 97212, 97213, 97214, 97215, 97216, 97217, 97218, 97219, 97220, 97221, 97222, 97223, 97224, 97225, 97227, 97228, 97229, 97230, 97231, 97232, 97233, 97236, 97238, 97239, 97240, 97242, 97250, 97251, 97252, 97253, 97254, 97256, 97266, 97267, 97268, 97269, 97280, 97281, 97282, 97283, 97286, 97290, 97291, 97292, 97293, 97294, 97296, 97298, 98601, 98604, 98606, 98607, 98622, 98629, 98642, 98660, 98661, 98662, 98663, 98664, 98665, 98666, 98668, 98671, 98675, 98682, 98683, 98684, 98685, 98686, 98687
Salem, OR BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,836 | $1,377 |
| E02 | $1,836 | $1,377 |
| E03 | $1,836 | $1,377 |
| E04 | $1,836 | $1,377 |
| E05 | $1,965 | $1,578 |
| E06 | $2,340 | $1,752 |
| E07 | $2,451 | $1,839 |
| E08 | $2,568 | $2,043 |
| E09 | $2,727 | $2,148 |
| W01 | $2,358 | $1,803 |
| W02 | $2,499 | $2,040 |
| W03 | $2,646 | $2,163 |
| W04 | $2,760 | $2,361 |
| W05 | $2,901 | $2,478 |
| O01E | $2,469 | $1,962 |
| O02E | $2,625 | $2,124 |
| O03E | $2,778 | $2,331 |
| O01 | $2,016 | $1,701 |
| O02 | $2,337 | $1,926 |
| O03 | $2,643 | $2,202 |
| O04 | $2,946 | $2,451 |
| O05 | $3,159 | $2,517 |
| O06 | $3,186 | $2,628 |
| O07 | $3,210 | $2,676 |
BAH for SALEM, OR includes the following zip codes: 97002, 97020, 97026, 97032, 97071, 97137, 97301, 97302, 97303, 97305, 97306, 97307, 97308, 97309, 97310, 97311, 97312, 97314, 97317, 97325, 97342, 97346, 97350, 97352, 97358, 97362, 97373, 97375, 97381, 97383, 97384, 97385, 97392
Corvallis, OR BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,088 | $1,572 |
| E02 | $2,088 | $1,572 |
| E03 | $2,088 | $1,572 |
| E04 | $2,088 | $1,572 |
| E05 | $2,334 | $1,752 |
| E06 | $2,631 | $1,971 |
| E07 | $2,706 | $2,097 |
| E08 | $2,787 | $2,397 |
| E09 | $2,985 | $2,478 |
| W01 | $2,649 | $2,010 |
| W02 | $2,742 | $2,394 |
| W03 | $2,844 | $2,490 |
| W04 | $3,042 | $2,643 |
| W05 | $3,282 | $2,724 |
| O01E | $2,715 | $2,331 |
| O02E | $2,829 | $2,460 |
| O03E | $3,078 | $2,622 |
| O01 | $2,376 | $1,839 |
| O02 | $2,628 | $2,256 |
| O03 | $2,841 | $2,520 |
| O04 | $3,369 | $2,703 |
| O05 | $3,744 | $2,808 |
| O06 | $3,777 | $2,832 |
| O07 | $3,807 | $2,874 |
BAH for CORVALLIS, OR includes the following zip codes: 97324, 97326, 97330, 97331, 97333, 97339, 97341, 97343, 97357, 97364, 97365, 97366, 97367, 97368, 97369, 97370, 97376, 97380, 97388, 97390, 97391, 97394, 97456, 97498
Eugene, OR BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,965 | $1,584 |
| E02 | $1,965 | $1,584 |
| E03 | $1,965 | $1,584 |
| E04 | $1,965 | $1,584 |
| E05 | $2,082 | $1,749 |
| E06 | $2,364 | $1,857 |
| E07 | $2,472 | $1,968 |
| E08 | $2,586 | $2,142 |
| E09 | $2,754 | $2,217 |
| W01 | $2,382 | $1,938 |
| W02 | $2,520 | $2,139 |
| W03 | $2,664 | $2,229 |
| W04 | $2,790 | $2,382 |
| W05 | $2,943 | $2,499 |
| O01E | $2,487 | $2,079 |
| O02E | $2,646 | $2,202 |
| O03E | $2,811 | $2,355 |
| O01 | $2,124 | $1,848 |
| O02 | $2,361 | $2,046 |
| O03 | $2,661 | $2,259 |
| O04 | $2,994 | $2,472 |
| O05 | $3,228 | $2,538 |
| O06 | $3,255 | $2,646 |
| O07 | $3,282 | $2,694 |
BAH for EUGENE, OR includes the following zip codes: 97401, 97402, 97403, 97404, 97405, 97408, 97409, 97412, 97413, 97419, 97424, 97426, 97430, 97431, 97434, 97437, 97438, 97439, 97440, 97448, 97451, 97452, 97453, 97454, 97455, 97461, 97463, 97475, 97477, 97478, 97480, 97487, 97488, 97489, 97490, 97492, 97493
2025 BAH FAQs for Oregon
How much did BAH increase in Oregon for 2025?
BAH rose by an average of 4.5% across the state. ZIPs around Portland, Eugene, and Beaverton saw the most significant adjustments.
Where is BAH highest in Oregon?
Portland-area ZIP codes (like 97229 and 97203) typically offer the highest BAH in Oregon, due to higher rental costs.
What is the BAH for an E-5 with dependents at Kingsley Field?
An E-5 with dependents stationed at Kingsley Field receives approximately $2,004/month in 2025.
Can BAH cover rent in Oregon?
Yes — in most rural and mid-sized ZIPs. In Portland and some university towns, BAH may not fully cover rent for larger units.
Is BAH taxed in Oregon?
No. BAH is tax-exempt and not included in your state or federal income reporting.
Can I use BAH income to qualify for a mortgage?
Yes. VA lenders treat BAH as stable monthly income when evaluating your loan eligibility.
What ZIP code applies to Kingsley Field?
Kingsley Field’s housing allowance is based on ZIP 97603 in Klamath Falls, Oregon.
When are BAH rates updated?
The Department of Defense reviews and updates BAH rates annually, with changes taking effect each January.
