2026 BAH Rates in Wisconsin
Wisconsin’s 2026 BAH rates apply to areas like Fort McCoy and surrounding towns. Many Veterans use BAH to cover a $0 down VA loan—even with less-than-perfect credit. We approve borrowers with scores as low as 580 and offer manual underwriting when needed. Use the chart below to find current BAH rates by rank and ZIP code.
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What Is BAH and How Does It Work in Wisconsin?
The Basic Allowance for Housing (BAH) is a monthly, tax-free benefit for military members living off base. In Wisconsin, it supports active-duty and Guard members stationed at Fort McCoy, recruiters in Milwaukee and Madison, and regional National Guard units across the state.
How BAH Rates Are Determined in Wisconsin
- ZIP Code: Rates vary by location — including 54656 (Fort McCoy), 53703 (Madison), and 53211 (Milwaukee).
- Pay Grade: BAH increases with your rank, based on expected housing size and cost.
- Dependents: Service members with dependents qualify for a higher BAH amount.
How to Use the 2026 BAH Chart
- Find your duty ZIP or installation location
- Select your pay grade (e.g., E-5, O-2)
- Compare “with” and “without” dependents monthly rates
Using Your BAH to Buy a Home in Wisconsin
Many military families in Wisconsin choose to buy instead of rent using their BAH and a VA loan. With affordable housing in places like Tomah, Janesville, and Green Bay, your BAH may cover your entire mortgage — and VA loans don’t require a down payment.
Top VA Loan Benefits in Wisconsin:
- Zero down payment required for most homes
- No private mortgage insurance (PMI)
- Manual underwriting for flexible credit qualification
- Competitive interest rates for VA borrowers
Buying a home in Wisconsin with your BAH can provide long-term value — especially near stable markets like Fort McCoy or the Madison suburbs.
Wisconsin Housing Costs & BAH Impact
Wisconsin offers moderate housing prices across most regions. In cities like La Crosse, Madison, and Eau Claire, BAH typically covers full rent and utilities. Fort McCoy remains one of the more affordable military locations in the Midwest. In 2026, BAH increases reflected steady rent growth in Milwaukee, Madison, and surrounding suburbs. Overall, service members across the state enjoy strong value from their BAH.
BAH for MADISON, WI includes the following zip codes: 53508, 53515, 53517, 53523, 53527, 53528, 53529, 53531, 53532, 53558, 53559, 53560, 53562, 53571, 53572, 53575, 53589, 53590, 53593, 53596, 53597, 53598, 53701, 53702, 53703, 53704, 53705, 53706, 53707, 53708, 53711, 53713, 53714, 53715, 53716, 53717, 53718, 53719, 53725, 53726, 53744, 53774, 53777, 53782, 53783, 53784, 53785, 53786, 53788, 53790, 53791, 53792, 53793, 53794. BAH for MILWAUKEE, WI includes the following zip codes: 53005, 53007, 53008, 53018, 53029, 53045, 53046, 53051, 53052, 53056, 53058, 53064, 53066, 53069, 53072, 53089, 53103, 53105, 53108, 53110, 53118, 53119, 53122, 53126, 53127, 53129, 53130, 53132, 53138, 53139, 53146, 53149, 53150, 53151, 53153, 53154, 53167, 53172, 53177, 53182, 53183, 53185, 53186, 53187, 53188, 53189, 53201, 53202, 53203, 53204, 53205, 53206, 53207, 53208, 53209, 53210, 53211, 53212, 53213, 53214, 53215, 53216, 53217, 53218, 53219, 53220, 53221, 53222, 53223, 53224, 53225, 53226, 53227, 53228, 53233, 53234, 53235, 53237, 53259, 53263, 53274, 53278, 53288, 53290, 53293, 53295, 53401, 53402, 53403, 53404, 53405, 53406, 53407, 53408. BAH for SPARTA/FORT MCCOY, WI includes the following zip codes: 54601, 54602, 54603, 54614, 54619, 54620, 54636, 54638, 54644, 54648, 54649, 54650, 54653, 54656, 54660, 54662, 54666, 54669, 54670. BAH for STEVENS POINT, WI includes the following zip codes: 54401, 54402, 54403, 54404, 54406, 54407, 54408, 54410, 54411, 54412, 54413, 54415, 54417, 54423, 54426, 54427, 54429, 54440, 54441, 54443, 54448, 54449, 54454, 54455, 54457, 54458, 54466, 54467, 54469, 54471, 54473, 54474, 54475, 54476, 54479, 54481, 54482, 54484, 54488, 54489, 54492, 54494, 54495, 54909, 54921.Madison, WI BAH Rates
Grade
With Dependents
Without Dependents
E01
$2,151
$1,614
O07
$3,645
$3,165
Milwaukee, WI BAH Rates
Grade
With Dependents
Without Dependents
E01
$2,178
$1,635
O07
$3,684
$2,946
Sparta/Fort McCoy, WI BAH Rates
Grade
With Dependents
Without Dependents
E01
$1,320
$1,134
O07
$2,097
$1,818
Stevens Point, WI BAH Rates
Grade
With Dependents
Without Dependents
E01
$1,206
$957
O07
$1,941
$1,656
2026 Basic Allowance for Housing (BAH) Rates in Wisconsin
Madison, WI BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,394 | $1,797 |
| E02 | $2,394 | $1,797 |
| E03 | $2,394 | $1,797 |
| E04 | $2,394 | $1,797 |
| E05 | $2,655 | $1,995 |
| E06 | $2,889 | $2,166 |
| E07 | $3,084 | $2,406 |
| E08 | $3,297 | $2,706 |
| E09 | $3,525 | $2,769 |
| W01 | $2,910 | $2,313 |
| W02 | $3,171 | $2,703 |
| W03 | $3,435 | $2,778 |
| W04 | $3,558 | $2,931 |
| W05 | $3,711 | $3,132 |
| O01E | $3,123 | $2,652 |
| O02E | $3,396 | $2,754 |
| O03E | $3,582 | $2,880 |
| O01 | $2,691 | $2,133 |
| O02 | $2,886 | $2,571 |
| O03 | $3,426 | $2,799 |
| O04 | $3,759 | $3,096 |
| O05 | $3,993 | $3,216 |
| O06 | $4,026 | $3,414 |
| O07 | $4,056 | $3,474 |
BAH for MADISON, WI includes the following zip codes: 53508, 53515, 53517, 53523, 53527, 53528, 53529, 53531, 53532, 53558, 53559, 53560, 53562, 53571, 53572, 53575, 53589, 53590, 53593, 53596, 53597, 53598, 53701, 53702, 53703, 53704, 53705, 53706, 53707, 53708, 53711, 53713, 53714, 53715, 53716, 53717, 53718, 53719, 53725, 53726, 53744, 53774, 53777, 53782, 53783, 53784, 53785, 53786, 53788, 53790, 53791, 53792, 53793, 53794.
Milwaukee, WI BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,367 | $1,776 |
| E02 | $2,367 | $1,776 |
| E03 | $2,367 | $1,776 |
| E04 | $2,367 | $1,776 |
| E05 | $2,607 | $1,965 |
| E06 | $2,700 | $2,148 |
| E07 | $2,874 | $2,376 |
| E08 | $3,072 | $2,631 |
| E09 | $3,300 | $2,646 |
| W01 | $2,715 | $2,292 |
| W02 | $2,955 | $2,628 |
| W03 | $3,198 | $2,652 |
| W04 | $3,336 | $2,733 |
| W05 | $3,507 | $2,919 |
| O01E | $2,910 | $2,604 |
| O02E | $3,162 | $2,640 |
| O03E | $3,363 | $2,685 |
| O01 | $2,625 | $2,124 |
| O02 | $2,697 | $2,529 |
| O03 | $3,189 | $2,658 |
| O04 | $3,564 | $2,883 |
| O05 | $3,831 | $2,994 |
| O06 | $3,861 | $3,177 |
| O07 | $3,888 | $3,231 |
BAH for MILWAUKEE, WI includes the following zip codes: 53005, 53007, 53008, 53018, 53029, 53045, 53046, 53051, 53052, 53056, 53058, 53064, 53066, 53069, 53072, 53089, 53103, 53105, 53108, 53110, 53118, 53119, 53122, 53126, 53127, 53129, 53130, 53132, 53138, 53139, 53146, 53149, 53150, 53151, 53153, 53154, 53167, 53172, 53177, 53182, 53183, 53185, 53186, 53187, 53188, 53189, 53201, 53202, 53203, 53204, 53205, 53206, 53207, 53208, 53209, 53210, 53211, 53212, 53213, 53214, 53215, 53216, 53217, 53218, 53219, 53220, 53221, 53222, 53223, 53224, 53225, 53226, 53227, 53228, 53233, 53234, 53235, 53237, 53259, 53263, 53274, 53278, 53288, 53290, 53293, 53295, 53401, 53402, 53403, 53404, 53405, 53406, 53407, 53408.
Sparta/Fort McCoy, WI BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,380 | $1,173 |
| E02 | $1,380 | $1,173 |
| E03 | $1,380 | $1,173 |
| E04 | $1,380 | $1,173 |
| E05 | $1,395 | $1,290 |
| E06 | $1,845 | $1,383 |
| E07 | $1,875 | $1,407 |
| E08 | $1,905 | $1,488 |
| E09 | $1,971 | $1,620 |
| W01 | $1,866 | $1,401 |
| W02 | $1,887 | $1,485 |
| W03 | $1,926 | $1,638 |
| W04 | $1,989 | $1,848 |
| W05 | $2,073 | $1,881 |
| O01E | $1,878 | $1,413 |
| O02E | $1,917 | $1,590 |
| O03E | $2,001 | $1,839 |
| O01 | $1,455 | $1,362 |
| O02 | $1,842 | $1,410 |
| O03 | $1,923 | $1,680 |
| O04 | $2,094 | $1,866 |
| O05 | $2,223 | $1,884 |
| O06 | $2,238 | $1,902 |
| O07 | $2,250 | $1,932 |
BAH for SPARTA/FORT MCCOY, WI includes the following zip codes: 54601, 54602, 54603, 54614, 54619, 54620, 54636, 54638, 54644, 54648, 54649, 54650, 54653, 54656, 54660, 54662, 54666, 54669, 54670.
Stevens Point, WI BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,287 | $1,038 |
| E02 | $1,287 | $1,038 |
| E03 | $1,287 | $1,038 |
| E04 | $1,287 | $1,038 |
| E05 | $1,338 | $1,161 |
| E06 | $1,707 | $1,281 |
| E07 | $1,731 | $1,299 |
| E08 | $1,740 | $1,416 |
| E09 | $1,764 | $1,521 |
| W01 | $1,728 | $1,296 |
| W02 | $1,737 | $1,413 |
| W03 | $1,749 | $1,536 |
| W04 | $1,779 | $1,704 |
| W05 | $1,860 | $1,713 |
| O01E | $1,734 | $1,335 |
| O02E | $1,743 | $1,497 |
| O03E | $1,791 | $1,701 |
| O01 | $1,389 | $1,236 |
| O02 | $1,704 | $1,326 |
| O03 | $1,746 | $1,572 |
| O04 | $1,878 | $1,707 |
| O05 | $1,998 | $1,716 |
| O06 | $2,010 | $1,719 |
| O07 | $2,022 | $1,722 |
BAH for STEVENS POINT, WI includes the following zip codes: 54401, 54402, 54403, 54404, 54406, 54407, 54408, 54410, 54411, 54412, 54413, 54415, 54417, 54423, 54426, 54427, 54429, 54440, 54441, 54443, 54448, 54449, 54454, 54455, 54457, 54458, 54466, 54467, 54469, 54471, 54473, 54474, 54475, 54476, 54479, 54481, 54482, 54484, 54488, 54489, 54492, 54494, 54495, 54909, 54921.
