2025 BAH Rates in Utah – Monthly Military Housing by ZIP Code
The 2025 Basic Allowance for Housing (BAH) rates in Utah are now official. These tax-free monthly payments help service members pay for off-base housing. Whether you’re stationed at Hill Air Force Base, Dugway Proving Ground, or a Utah National Guard facility near Salt Lake City, your BAH amount depends on ZIP code, pay grade, and dependent status.
Utah’s 2025 BAH increases reflect rising rents in growing areas like Ogden, Layton, and the Salt Lake Valley. For national comparisons, visit our 2025 BAH overview or explore lending options in the Utah VA loan guide.
See what your BAH qualifies you for in Utah
See BAH Rates in:
What Is BAH and How Does It Work in Utah?
BAH is a monthly, tax-free housing allowance given to active-duty military personnel who live off base. In Utah, this includes service members at Hill AFB (Ogden/Layton), Dugway Proving Ground, Camp Williams (Bluffdale), and recruiting offices across the Wasatch Front.
How Utah BAH Rates Are Determined
- ZIP Code: ZIPs like 84056 (Hill AFB), 84041 (Layton), and 84116 (Salt Lake City) are evaluated based on local rental market trends.
- Pay Grade: The higher your rank, the higher your housing allowance.
- Dependents: Members with dependents receive additional BAH to help cover family housing costs.
Using the 2025 BAH Chart
- Find your assigned ZIP code or base area
- Select your rank/pay grade
- Compare “with dependents” vs. “without dependents” monthly amounts
How to Use Your BAH to Buy a Home in Utah
Instead of paying rent, many military families in Utah use their BAH toward a VA home loan. In places like Roy, Clearfield, and Eagle Mountain, home prices are competitive enough that your BAH may cover a full mortgage — especially since no down payment is required with a VA loan.
Benefits of Using a VA Loan in Utah:
- Zero down payment required
- No monthly mortgage insurance (PMI)
- Lenient credit requirements and manual underwriting available
- VA interest rates are often lower than conventional loans
In Utah’s growing market, using your BAH to buy a home can provide long-term value — especially in military-friendly ZIP codes near Hill AFB.
Utah Housing Costs & BAH Impact
Utah’s housing market continues to grow, particularly in areas near Salt Lake City, Ogden, and Provo. BAH rates for 2025 were increased in response to rising rental prices in these metros. In more rural ZIPs or towns near Dugway or Camp Williams, BAH usually covers full rent and utilities. Along the Wasatch Front, some mid-level enlisted families may experience small out-of-pocket housing costs.
Ogden/Hill AFB, UT BAH Rates (MHA: UT291)
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,935 | $1,533 |
| E02 | $1,935 | $1,533 |
| E03 | $1,935 | $1,533 |
| E04 | $1,935 | $1,533 |
| E05 | $2,100 | $1,680 |
| E06 | $2,187 | $1,782 |
| E07 | $2,241 | $1,941 |
| E08 | $2,301 | $2,124 |
| E09 | $2,394 | $2,136 |
| W01 | $2,202 | $1,890 |
| W02 | $2,265 | $2,121 |
| W03 | $2,343 | $2,142 |
| W04 | $2,418 | $2,190 |
| W05 | $2,514 | $2,253 |
| O01E | $2,244 | $2,097 |
| O02E | $2,331 | $2,133 |
| O03E | $2,430 | $2,175 |
| O01 | $2,121 | $1,767 |
| O02 | $2,184 | $2,049 |
| O03 | $2,340 | $2,151 |
| O04 | $2,541 | $2,235 |
| O05 | $2,682 | $2,268 |
| O06 | $2,706 | $2,322 |
| O07 | $2,724 | $2,364 |
Zip codes for Ogden/Hill AFB, UT: 84011, 84015, 84016, 84025, 84037, 84040, 84041, 84056, 84067, 84075, 84089, 84201, 84244, 84310, 84315, 84317, 84401, 84402, 84403, 84404, 84405, 84407, 84408, 84409, 84412, 84414, 84415.
Salt Lake City, UT BAH Rates (MHA: UT292)
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,974 | $1,506 |
| E02 | $1,974 | $1,506 |
| E03 | $1,974 | $1,506 |
| E04 | $1,974 | $1,506 |
| E05 | $2,157 | $1,686 |
| E06 | $2,355 | $1,806 |
| E07 | $2,508 | $1,980 |
| E08 | $2,676 | $2,202 |
| E09 | $2,829 | $2,250 |
| W01 | $2,373 | $1,920 |
| W02 | $2,580 | $2,199 |
| W03 | $2,787 | $2,259 |
| W04 | $2,847 | $2,385 |
| W05 | $2,925 | $2,547 |
| O01E | $2,535 | $2,154 |
| O02E | $2,757 | $2,238 |
| O03E | $2,859 | $2,343 |
| O01 | $2,187 | $1,788 |
| O02 | $2,352 | $2,100 |
| O03 | $2,781 | $2,280 |
| O04 | $2,949 | $2,514 |
| O05 | $3,060 | $2,610 |
| O06 | $3,087 | $2,769 |
| O07 | $3,111 | $2,817 |
Zip codes for Salt Lake City, UT: 84006, 84009, 84010, 84014, 84020, 84029, 84044, 84047, 84054, 84065, 84070, 84074, 84081, 84084, 84087, 84088, 84090, 84091, 84092, 84093, 84094, 84095, 84096, 84101, 84102, 84103, 84104, 84105, 84106, 84107, 84108, 84109, 84110, 84111, 84112, 84113, 84114, 84115, 84116, 84117, 84118, 84119, 84120, 84121, 84122, 84123, 84124, 84125, 84126, 84127, 84128, 84129, 84130, 84131, 84132, 84133, 84134, 84138, 84139, 84141, 84143, 84145, 84147, 84148, 84150, 84151, 84152, 84157, 84158, 84165, 84170, 84171, 84180, 84184, 84190, 84199.
Provo, UT BAH Rates (MHA: UT357)
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,971 | $1,602 |
| E02 | $1,971 | $1,602 |
| E03 | $1,971 | $1,602 |
| E04 | $1,971 | $1,602 |
| E05 | $2,100 | $1,752 |
| E06 | $2,226 | $1,851 |
| E07 | $2,349 | $1,974 |
| E08 | $2,481 | $2,133 |
| E09 | $2,625 | $2,157 |
| W01 | $2,241 | $1,938 |
| W02 | $2,403 | $2,130 |
| W03 | $2,568 | $2,163 |
| W04 | $2,649 | $2,247 |
| W05 | $2,745 | $2,376 |
| O01E | $2,367 | $2,097 |
| O02E | $2,547 | $2,151 |
| O03E | $2,661 | $2,214 |
| O01 | $2,124 | $1,839 |
| O02 | $2,223 | $2,061 |
| O03 | $2,565 | $2,175 |
| O04 | $2,775 | $2,349 |
| O05 | $2,922 | $2,424 |
| O06 | $2,946 | $2,550 |
| O07 | $2,967 | $2,595 |
Zip codes for Provo, UT: 84003, 84004, 84005, 84013, 84042, 84043, 84045, 84057, 84058, 84059, 84062, 84097, 84601, 84602, 84603, 84604, 84605, 84606, 84626, 84633, 84651, 84653, 84655, 84660, 84663, 84664.
2025 BAH FAQs for Utah
How much did BAH increase in Utah for 2025?
BAH increased by roughly 4.6% statewide, with the most noticeable jumps in ZIPs near Hill AFB and Salt Lake City.
Where is BAH highest in Utah?
BAH is highest in ZIPs near Salt Lake City (84116) and the northern Wasatch Front near Layton, Roy, and Hill AFB.
What is the BAH for an E-5 with dependents at Hill AFB?
In 2025, an E-5 with dependents at Hill Air Force Base receives approximately $2,241/month.
Does BAH cover rent in Utah?
In most areas, yes. BAH generally covers rent in Layton, Ogden, and Clearfield. In downtown Salt Lake or Provo, additional funds may be needed.
Is BAH taxed in Utah?
No. BAH is fully tax-exempt at both the state and federal levels.
Can I use BAH income to qualify for a VA loan?
Yes. Lenders accept BAH as qualifying income when evaluating VA mortgage eligibility.
What ZIP applies to Hill AFB?
Hill AFB’s BAH rate is based on ZIP code 84056, located in Davis County, UT.
When are BAH rates updated?
BAH rates are reviewed annually by the DoD and updated every January.
