Rates and VA Loan Buying Power
2026 Oregon BAH Rates and VA Loan Buying Power
DoD BAH lookup
DFAS pay and entitlements
VA home loan overview
CFPB Loan Estimate guide
Oregon BAH rates can directly affect VA loan buying power because BAH is tax free and many lenders count it when it is verified on your LES. Before you use the tables, make sure the lender is using the right Oregon housing area, the right dependency status, and a payment target that fits your full file.
Next step:
Check VA Loan Eligibility Using Your BAH and LES
Oregon BAH Snapshot
Portland runs highest in your sample set at $2,556 for an E-5 with dependents, while Coos Bay is lower at $1,779. Corvallis, Salem, and Astoria sit in different bands, so buying power can shift by zip, rank, and dependency status.
How Lenders Count BAH
Many VA lenders count BAH as qualifying income when it appears on your LES. Because it is tax free, some lenders also gross it up. That can help DTI, but residual income and the full monthly housing payment still decide what is workable.
PCS and Rate Protection
With valid PCS orders, lenders can often use gaining station BAH when you are moving into Oregon. Separate from that, individual rate protection can preserve a higher allowance while you stay at the same duty station with the same rank and dependency status.
LES and Documents
Expect underwriters to review two to three LES statements, plus PCS orders when you are buying before a move. Those documents help verify continuity, current entitlements, and whether the lender used the correct Oregon housing assumptions.
Frequently Asked Questions
Can I use Oregon BAH to qualify for a VA loan?
Can PCS orders change which Oregon BAH a lender uses?
Why does the Oregon BAH table not match my loan estimate exactly?
How to Use Oregon BAH Rates for a VA Loan
- Pick the right table: Start with the Oregon market that matches your duty station or likely purchase area, then match your rank and dependency status before estimating any payment.
- Turn BAH into PITI target plus cushion: Use BAH as the first pass for principal, interest, taxes, and insurance, then leave room for utilities, HOA dues, repairs, and ordinary monthly variance.
- Verify lender treatment using LES and gross up: Ask how the lender is counting tax free BAH from your LES, whether it is grossed up, and how that changes your real qualifying range.
- Use same assumptions when shopping lenders: Keep purchase price, taxes, insurance, credit band, and occupancy plan the same so you can judge lender treatment instead of comparing mismatched scenarios.
Convert Your BAH to VA Buying Power
Enter your BAH and key financials. We’ll estimate a comfortable VA home price and the resulting monthly payment.
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BAH VA Loan Buy or Rent PCS
Choose ownership or leasing around PCS timelines -
BAH Gross Up VA Loan Buying Power
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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 2026, 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 | $1,914 | $1,623 |
| E02 | $1,914 | $1,623 |
| E03 | $1,914 | $1,623 |
| E04 | $1,914 | $1,623 |
| E05 | $2,055 | $1,713 |
| E06 | $2,796 | $2,097 |
| E07 | $2,949 | $2,211 |
| E08 | $3,114 | $2,337 |
| E09 | $3,291 | $2,469 |
| W01 | $2,817 | $2,112 |
| W02 | $3,015 | $2,262 |
| W03 | $3,219 | $2,472 |
| W04 | $3,318 | $2,829 |
| W05 | $3,444 | $2,985 |
| O01E | $2,979 | $2,235 |
| O02E | $3,189 | $2,391 |
| O03E | $3,339 | $2,790 |
| O01 | $2,145 | $1,773 |
| O02 | $2,787 | $2,214 |
| O03 | $3,213 | $2,526 |
| O04 | $3,480 | $2,955 |
| O05 | $3,672 | $3,045 |
| O06 | $3,702 | $3,198 |
| O07 | $3,729 | $3,252 |
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 | $1,635 | $1,341 |
| E02 | $1,635 | $1,341 |
| E03 | $1,635 | $1,341 |
| E04 | $1,635 | $1,341 |
| E05 | $1,779 | $1,428 |
| E06 | $2,214 | $1,662 |
| E07 | $2,391 | $1,794 |
| E08 | $2,583 | $1,938 |
| E09 | $2,772 | $2,079 |
| W01 | $2,238 | $1,680 |
| W02 | $2,469 | $1,869 |
| W03 | $2,706 | $2,082 |
| W04 | $2,796 | $2,253 |
| W05 | $2,910 | $2,433 |
| O01E | $2,427 | $1,821 |
| O02E | $2,670 | $2,004 |
| O03E | $2,814 | $2,208 |
| O01 | $1,839 | $1,488 |
| O02 | $2,211 | $1,797 |
| O03 | $2,697 | $2,085 |
| O04 | $2,943 | $2,400 |
| O05 | $3,117 | $2,508 |
| O06 | $3,141 | $2,685 |
| O07 | $3,162 | $2,730 |
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 | $2,193 | $1,821 |
| E02 | $2,193 | $1,821 |
| E03 | $2,193 | $1,821 |
| E04 | $2,193 | $1,821 |
| E05 | $2,379 | $1,932 |
| E06 | $2,751 | $2,064 |
| E07 | $2,853 | $2,199 |
| E08 | $2,961 | $2,460 |
| E09 | $3,138 | $2,565 |
| W01 | $2,772 | $2,139 |
| W02 | $2,898 | $2,457 |
| W03 | $3,033 | $2,580 |
| W04 | $3,180 | $2,772 |
| W05 | $3,360 | $2,877 |
| O01E | $2,871 | $2,376 |
| O02E | $3,012 | $2,541 |
| O03E | $3,207 | $2,745 |
| O01 | $2,430 | $2,004 |
| O02 | $2,748 | $2,322 |
| O03 | $3,030 | $2,616 |
| O04 | $3,420 | $2,853 |
| O05 | $3,702 | $2,913 |
| O06 | $3,732 | $3,012 |
| O07 | $3,759 | $3,063 |
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 | $1,872 | $1,455 |
| E02 | $1,872 | $1,455 |
| E03 | $1,872 | $1,455 |
| E04 | $1,872 | $1,455 |
| E05 | $2,004 | $1,635 |
| E06 | $2,397 | $1,797 |
| E07 | $2,511 | $1,884 |
| E08 | $2,634 | $2,088 |
| E09 | $2,796 | $2,199 |
| W01 | $2,418 | $1,839 |
| W02 | $2,562 | $2,085 |
| W03 | $2,712 | $2,214 |
| W04 | $2,826 | $2,421 |
| W05 | $2,967 | $2,538 |
| O01E | $2,532 | $2,001 |
| O02E | $2,688 | $2,175 |
| O03E | $2,847 | $2,391 |
| O01 | $2,058 | $1,740 |
| O02 | $2,394 | $1,965 |
| O03 | $2,709 | $2,253 |
| O04 | $3,009 | $2,514 |
| O05 | $3,228 | $2,580 |
| O06 | $3,252 | $2,691 |
| O07 | $3,276 | $2,736 |
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 | $2,139 | $1,605 |
| E02 | $2,139 | $1,605 |
| E03 | $2,139 | $1,605 |
| E04 | $2,139 | $1,605 |
| E05 | $2,388 | $1,791 |
| E06 | $2,715 | $2,034 |
| E07 | $2,769 | $2,148 |
| E08 | $2,826 | $2,457 |
| E09 | $3,009 | $2,550 |
| W01 | $2,733 | $2,058 |
| W02 | $2,793 | $2,454 |
| W03 | $2,868 | $2,562 |
| W04 | $3,063 | $2,721 |
| W05 | $3,306 | $2,781 |
| O01E | $2,775 | $2,385 |
| O02E | $2,853 | $2,529 |
| O03E | $3,102 | $2,706 |
| O01 | $2,433 | $1,884 |
| O02 | $2,712 | $2,307 |
| O03 | $2,865 | $2,592 |
| O04 | $3,387 | $2,763 |
| O05 | $3,768 | $2,826 |
| O06 | $3,801 | $2,850 |
| O07 | $3,828 | $2,892 |
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 | $2,046 | $1,701 |
| E02 | $2,046 | $1,701 |
| E03 | $2,046 | $1,701 |
| E04 | $2,046 | $1,701 |
| E05 | $2,187 | $1,827 |
| E06 | $2,481 | $1,914 |
| E07 | $2,583 | $2,049 |
| E08 | $2,694 | $2,250 |
| E09 | $2,856 | $2,331 |
| W01 | $2,499 | $2,010 |
| W02 | $2,628 | $2,247 |
| W03 | $2,769 | $2,343 |
| W04 | $2,889 | $2,499 |
| W05 | $3,042 | $2,607 |
| O01E | $2,601 | $2,184 |
| O02E | $2,748 | $2,313 |
| O03E | $2,913 | $2,472 |
| O01 | $2,229 | $1,902 |
| O02 | $2,478 | $2,145 |
| O03 | $2,766 | $2,370 |
| O04 | $3,090 | $2,583 |
| O05 | $3,324 | $2,643 |
| O06 | $3,351 | $2,748 |
| O07 | $3,375 | $2,793 |
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
