2026 Utah BAH Rates, By Location
Utah 2026 BAH is set by ZIP code, pay grade, and dependency status, with a 4.2% national average increase. Use the quick tables below for Salt Lake City, Hill AFB and Ogden, Provo, and Dugway. If your status stays the same at the same duty station, rate protection can prevent a drop.
What To Do Based On Your Situation
- PCS-ing to Utah soon: Use the gaining station BAH with your orders to get preapproved before you arrive. Many lenders can qualify you on the new rate before you move.
- Already stationed in Utah: Your BAH is already on your LES. Turn it into a PITI target and see what home price fits before you start shopping.
- Separating or retiring in Utah: BAH stops when you separate, so qualify based on your post-military income. If you are buying before separation, coordinate timing carefully with your lender.
Jump To Your Base
- Salt Lake City BAH rates, MHA UT292 — E-6 w/dep: $2,358 → ~$270,000 buying power
- Hill AFB and Ogden BAH rates, MHA UT291 — E-6 w/dep: $2,229 → ~$255,000 buying power
- Provo BAH rates, MHA UT357 — E-6 w/dep: $2,229 → ~$255,000 buying power
- Dugway Proving Ground BAH rates and key 2026 rules — E-6 w/dep: $1,785 → ~$205,000 buying power
- Ogden/Hill AFB, UT (MHA: UT291) — E-6 w/dep: $2,187 → ~$250,000 buying power
- Salt Lake City, UT (MHA: UT292) — E-6 w/dep: $2,355 → ~$270,000 buying power
- Provo, UT (MHA: UT357) — E-6 w/dep: $2,226 → ~$255,000 buying power
Buying power estimates assume 6.5% rate, $0 down, state average property tax and insurance rates, and 2.15% VA funding fee financed. Your actual buying power depends on credit, debts, and lender qualification.
Salt Lake City BAH rates, MHA UT292
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,944 | $1,536 |
| E-5 | $2,130 | $1,671 |
| E-6 | $2,358 | $1,773 |
| E-7 | $2,496 | $1,950 |
| O-1 | $2,166 | $1,752 |
| O-3 | $2,742 | $2,271 |
Salt Lake City BAH rates, MHA UT292 — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,130): ~$245,000 home · PITI ~$1,767/mo
- E-6 w/dep ($2,358): ~$270,000 home · PITI ~$1,957/mo
- E-7 w/dep ($2,496): ~$285,000 home · PITI ~$2,071/mo
- O-3 w/dep ($2,742): ~$315,000 home · PITI ~$2,275/mo
Hill AFB and Ogden BAH rates, MHA UT291
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,932 | $1,545 |
| E-5 | $2,118 | $1,668 |
| E-6 | $2,229 | $1,761 |
| E-7 | $2,271 | $1,935 |
| O-1 | $2,139 | $1,740 |
| O-3 | $2,361 | $2,181 |
Hill AFB and Ogden BAH rates, MHA UT291 — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,118): ~$245,000 home · PITI ~$1,757/mo
- E-6 w/dep ($2,229): ~$255,000 home · PITI ~$1,850/mo
- E-7 w/dep ($2,271): ~$260,000 home · PITI ~$1,884/mo
- O-3 w/dep ($2,361): ~$270,000 home · PITI ~$1,959/mo
Provo BAH rates, MHA UT357
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,929 | $1,593 |
| E-5 | $2,058 | $1,719 |
| E-6 | $2,229 | $1,806 |
| E-7 | $2,337 | $1,929 |
| O-1 | $2,085 | $1,794 |
| O-3 | $2,529 | $2,160 |
Provo BAH rates, MHA UT357 — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,058): ~$235,000 home · PITI ~$1,708/mo
- E-6 w/dep ($2,229): ~$255,000 home · PITI ~$1,850/mo
- E-7 w/dep ($2,337): ~$270,000 home · PITI ~$1,939/mo
- O-3 w/dep ($2,529): ~$290,000 home · PITI ~$2,099/mo
Dugway Proving Ground BAH rates and key 2026 rules
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 to E-4 | $1,374 | $1,104 |
| E-5 | $1,482 | $1,200 |
| E-6 | $1,785 | $1,338 |
| E-7 | $1,854 | $1,392 |
| O-1 | $1,527 | $1,263 |
| O-3 | $1,980 | $1,671 |
Dugway Proving Ground BAH rates and key 2026 rules — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($1,482): ~$170,000 home · PITI ~$1,230/mo
- E-6 w/dep ($1,785): ~$205,000 home · PITI ~$1,481/mo
- E-7 w/dep ($1,854): ~$215,000 home · PITI ~$1,538/mo
- O-3 w/dep ($1,980): ~$225,000 home · PITI ~$1,643/mo
- Rate protection: If you stay at the same duty station with the same pay grade and dependent status, you keep the higher of the old rate or the new published rate.
- Out of pocket share: BAH is built to cover most housing and utilities, not every dollar, so plan for a small gap that varies by choices.
- GI Bill MHA: Post 9/11 housing allowance is tied to the E-5 with dependents BAH for the school ZIP, with separate rules for online training and break periods.
Your BAH is one piece of the income picture. When you apply for a VA loan, lenders evaluate your debt-to-income ratio and residual income alongside your housing allowance. Because BAH is tax-free, most lenders can gross it up to reflect its true purchasing power, which directly affects pre-approval amounts. Understanding how your qualifying income is calculated helps you set a realistic price range before you start shopping.
For a broader look at homebuying options and benefits in this state, see our Utah VA loan guide.
VA Loans Near Utah Military Bases
Utah BAH rates for an E-6 with dependents range from $1,785/month (Dugway Proving Ground BAH rates and key 2026 rules) to $2,358/month (Salt Lake City BAH rates). That translates to estimated buying power from $205,000 to $270,000 at current VA loan rates.
Utah has state income tax, but BAH remains completely tax-free regardless. Veterans with a service-connected disability rating may qualify for property tax exemptions that further reduce the monthly housing cost.
FAQs
How do I check my exact 2026 BAH rate in Utah?
What is BAH rate protection, and when can it change?
How is GI Bill Monthly Housing Allowance calculated for Utah schools?
Convert Your BAH to VA Buying Power
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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 2026 BAH Chart
- Find your assigned ZIP code or base area
- Select your rank/pay grade
- Compare “with dependents” vs. “without dependents” monthly amounts
The Bottom Line Up Front
Utah BAH rates for 2026 range from $1,824 to $2,463 per month for an E-6 with dependents across four duty station areas. At the highest rate (Salt Lake City), that supports roughly $280,000 in VA loan buying power at current rates. Utah has no state income tax and moderate property tax rates, making it one of the stronger states for VA borrower purchasing power. Use the tables below to find your rate, then see what it buys.
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 2026 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 |
Ogden/Hill AFB, UT (MHA: UT291) — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,100): ~$240,000 home · PITI ~$1,743/mo
- E-6 w/dep ($2,187): ~$250,000 home · PITI ~$1,815/mo
- E-7 w/dep ($2,241): ~$255,000 home · PITI ~$1,860/mo
- O-3 w/dep ($2,340): ~$270,000 home · PITI ~$1,942/mo
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 |
Salt Lake City, UT (MHA: UT292) — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,157): ~$250,000 home · PITI ~$1,790/mo
- E-6 w/dep ($2,355): ~$270,000 home · PITI ~$1,954/mo
- E-7 w/dep ($2,508): ~$290,000 home · PITI ~$2,081/mo
- O-3 w/dep ($2,781): ~$320,000 home · PITI ~$2,308/mo
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 |
Provo, UT (MHA: UT357) — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,100): ~$240,000 home · PITI ~$1,743/mo
- E-6 w/dep ($2,226): ~$255,000 home · PITI ~$1,847/mo
- E-7 w/dep ($2,349): ~$270,000 home · PITI ~$1,949/mo
- O-3 w/dep ($2,565): ~$295,000 home · PITI ~$2,128/mo
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.
Related reading: A Complete Guide to VA Loans in Utah.
