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.
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 |
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 |
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 |
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 |
- 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.
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
Enter your BAH and key financials. We’ll estimate a comfortable VA home price and the resulting monthly payment.
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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
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 |
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.
