United States · BAH 2026 · Maryland
Annapolis, MD BAH rates 2026
In Annapolis, MD, 2026 BAH runs from $2,280 a month (E-1 without dependents) to $4,164 (O-7 and above with dependents). An E-5 with dependents gets $2,928 a month, not taxed.
Annapolis, MD · E-5 · with dependents
$2,928 a month
$35,136 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,757 | $2,280 |
| E-2 | $2,757 | $2,280 |
| E-3 | $2,757 | $2,280 |
| E-4 | $2,757 | $2,280 |
| E-5 | $2,928 | $2,475 |
| E-6 | $3,228 | $2,601 |
| E-7 | $3,303 | $2,763 |
| E-8 | $3,384 | $2,991 |
| E-9 | $3,546 | $3,075 |
| W-1 | $3,246 | $2,709 |
| W-2 | $3,336 | $2,988 |
| W-3 | $3,441 | $3,087 |
| W-4 | $3,585 | $3,237 |
| W-5 | $3,762 | $3,321 |
| O-1E | $3,315 | $2,925 |
| O-2E | $3,423 | $3,054 |
| O-3E | $3,612 | $3,219 |
| O-1 | $2,970 | $2,586 |
| O-2 | $3,225 | $2,874 |
| O-3 | $3,438 | $3,114 |
| O-4 | $3,822 | $3,300 |
| O-5 | $4,101 | $3,342 |
| O-6 | $4,134 | $3,417 |
| O-7 and above | $4,164 | $3,477 |
What is take-home pay with BAH in Annapolis, MD?
Monthly pay for four people stationed here in 2026. BAH and BAS are not taxed; federal income tax, Social Security and Medicare come off basic pay. These assume Maryland is your state of legal residence. Maryland taxes a resident’s military pay while stationed in the state, so state tax comes off basic pay here.
| E-4, over 3 years, no dependents (single) | E-4, over 3 years, with dependents (married) | O-3, over 4 years, no dependents (single) | O-3, over 4 years, with dependents (married) | |
|---|---|---|---|---|
| Basic pay | $3,482.40 | $3,482.40 | $7,382.70 | $7,382.70 |
| BAH | $2,280.00 | $2,757.00 | $3,114.00 | $3,438.00 |
| BAS | $476.95 | $476.95 | $328.48 | $328.48 |
| Federal tax, Social Security and Medicare | −$502.62 | −$346.31 | −$1,453.14 | −$1,087.37 |
| State income tax | −$229.08 | −$185.69 | −$539.16 | −$495.76 |
| Take-home a month | $5,507.64 | $6,184.35 | $8,832.89 | $9,566.05 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Annapolis, MD?
DTMO’s 2026 list maps 31 ZIP codes to this housing area (MD128). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
20711, 20733, 20751, 20758, 20764, 20765, 20776, 20778, 20779, 21012, 21032, 21035, 21037, 21056, 21060, 21062, 21106, 21122, 21123, 21140, 21146, 21225, 21226, 21401, 21402, 21403, 21404, 21405, 21409, 21411, 21412
How does Annapolis, MD BAH compare?
For an E-5 with dependents, Annapolis, MD pays $2,928 a month: number 56 of 338 housing areas, and $867 above the middle of all areas ($2,061). Other housing areas in Maryland:
- Aberdeen Proving Grounds, MD E-5 with dependents $2,478
- Baltimore, MD E-5 with dependents $2,610
- Eastern Shore, MD E-5 with dependents $2,121
- Fort Detrick, MD E-5 with dependents $2,682
- Fort G. G. Meade, MD E-5 with dependents $2,901
- Indian Head NAVORDSTA, MD E-5 with dependents $3,249
- Oxford, MD E-5 with dependents $2,445
- Patuxent River, MD E-5 with dependents $2,406
Every housing area: BAH rates by location.
What does this leave out?
- BAH II, partial BAH and BAH-Differential, and rate protection (a member keeps a higher earlier rate while stationed in the same place).
- Special pays, deductions such as TSP and SGLI, and anything outside the 50 states (the Overseas Housing Allowance).
- In the take-home examples: local taxes and changes during the year.
What else can I work out?
- BAH calculator Your BAH from any ZIP code, with a second ZIP to compare for a move.
- Military pay calculator Basic pay, BAH, BAS and take-home pay for your rank, years of service, ZIP code and home state.
- Military pay chart 2026 Monthly basic pay for every grade, E-1 to O-10, at every length of service.
- Maryland minimum wage The Maryland minimum wage for 2026 and 2027, with full-time pay.
- Maryland paycheck calculator Take-home pay for a civilian job in Maryland, after federal and state tax.
Questions about BAH in Annapolis, MD
What is E-5 BAH in Annapolis, MD for 2026?
$2,928 a month with dependents and $2,475 without ($35,136 and $29,700 a year). That ranks 56 of the 338 housing areas for an E-5 with dependents; the middle of all areas is $2,061.
What is O-3 BAH in Annapolis, MD?
An O-3 gets $3,438 a month with dependents and $3,114 without in 2026. A W-2 gets $3,336 and $2,988.
How much BAH does an E-1 get in Annapolis, MD?
$2,757 a month with dependents and $2,280 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Annapolis, MD BAH rates?
31 ZIP codes in DTMO’s 2026 list map to this housing area (MD128): 20711, 20733, 20751, 20758, 20764 and 26 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Annapolis, MD taxed?
No: BAH and BAS are not taxable income, so tax comes off basic pay only. For example, an E-4 with over 3 years and no dependents gets $6,239.35 a month here with allowances and takes home about $5,507.64. These assume Maryland is your state of legal residence. Maryland taxes a resident’s military pay while stationed in the state, so state tax comes off basic pay here.
When will Annapolis, MD BAH change?
The 2026 rates apply until December 31, 2026. The Defense Department normally announces the 2027 rates in mid-December, to start on January 1, 2027.