United States · BAH 2026 · Illinois
Chicago, IL BAH rates 2026
In Chicago, IL, 2026 BAH runs from $2,415 a month (E-1 without dependents) to $4,152 (O-7 and above with dependents). An E-5 with dependents gets $3,438 a month, not taxed.
Chicago, IL · E-5 · with dependents
$3,438 a month
$41,256 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $3,174 | $2,415 |
| E-2 | $3,174 | $2,415 |
| E-3 | $3,174 | $2,415 |
| E-4 | $3,174 | $2,415 |
| E-5 | $3,438 | $2,736 |
| E-6 | $3,702 | $2,937 |
| E-7 | $3,723 | $3,186 |
| E-8 | $3,732 | $3,498 |
| E-9 | $3,771 | $3,567 |
| W-1 | $3,720 | $3,090 |
| W-2 | $3,729 | $3,495 |
| W-3 | $3,741 | $3,579 |
| W-4 | $3,795 | $3,696 |
| W-5 | $3,900 | $3,708 |
| O-1E | $3,726 | $3,435 |
| O-2E | $3,735 | $3,552 |
| O-3E | $3,810 | $3,693 |
| O-1 | $3,477 | $2,907 |
| O-2 | $3,699 | $3,354 |
| O-3 | $3,738 | $3,603 |
| O-4 | $3,927 | $3,699 |
| O-5 | $4,086 | $3,711 |
| O-6 | $4,122 | $3,714 |
| O-7 and above | $4,152 | $3,756 |
What is take-home pay with BAH in Chicago, IL?
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. Illinois does not tax a resident’s active-duty pay, so no state tax comes off.
| 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 | $2,415.00 | $3,174.00 | $3,603.00 | $3,738.00 |
| 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 | none | none | none | none |
| Take-home a month | $5,871.73 | $6,787.04 | $9,861.04 | $10,361.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Chicago, IL?
DTMO’s 2026 list maps 298 ZIP codes to this housing area (IL325). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 298 ZIP codes
600xx: 60004, 60005, 60006, 60007, 60008, 60009, 60010, 60016, 60017, 60018, 60019, 60022, 60025, 60026, 60029, 60038, 60043, 60053, 60055, 60056, 60062, 60065, 60067, 60068, 60070, 60074, 60076, 60077, 60078, 60082, 60089, 60090, 60091, 60093, 60094, 60095
601xx: 60101, 60103, 60104, 60105, 60106, 60107, 60108, 60109, 60110, 60116, 60117, 60118, 60119, 60120, 60121, 60122, 60123, 60124, 60126, 60128, 60130, 60131, 60132, 60133, 60134, 60136, 60137, 60138, 60139, 60140, 60141, 60143, 60144, 60147, 60148, 60151, 60153, 60154, 60155, 60157, 60159, 60160, 60161, 60162, 60163, 60164, 60165, 60168, 60169, 60171, 60172, 60173, 60174, 60175, 60176, 60177, 60179, 60181, 60183, 60184, 60185, 60186, 60187, 60188, 60189, 60190, 60191, 60192, 60193, 60194, 60195, 60196, 60197, 60199
602xx: 60201, 60202, 60203, 60204, 60208
603xx: 60301, 60302, 60303, 60304, 60305, 60399
604xx: 60402, 60406, 60409, 60411, 60412, 60415, 60418, 60419, 60422, 60425, 60426, 60428, 60429, 60430, 60438, 60439, 60443, 60445, 60452, 60453, 60454, 60455, 60456, 60457, 60458, 60459, 60461, 60462, 60463, 60464, 60465, 60466, 60467, 60469, 60471, 60472, 60473, 60475, 60476, 60477, 60478, 60480, 60482, 60487, 60499
605xx: 60501, 60502, 60504, 60505, 60506, 60507, 60510, 60511, 60513, 60514, 60515, 60516, 60517, 60519, 60521, 60522, 60523, 60525, 60526, 60527, 60532, 60534, 60539, 60540, 60542, 60546, 60554, 60555, 60558, 60559, 60561, 60563, 60565, 60566, 60567, 60568, 60569, 60572, 60598, 60599
606xx: 60601, 60602, 60603, 60604, 60605, 60606, 60607, 60608, 60609, 60610, 60611, 60612, 60613, 60614, 60615, 60616, 60617, 60618, 60619, 60620, 60621, 60622, 60623, 60624, 60625, 60626, 60628, 60629, 60630, 60631, 60632, 60633, 60634, 60636, 60637, 60638, 60639, 60640, 60641, 60642, 60643, 60644, 60645, 60646, 60647, 60649, 60651, 60652, 60653, 60654, 60655, 60656, 60657, 60659, 60660, 60661, 60664, 60666, 60668, 60669, 60670, 60673, 60674, 60675, 60677, 60678, 60680, 60681, 60682, 60684, 60685, 60686, 60687, 60688, 60689, 60690, 60691, 60693, 60694, 60695, 60696, 60697, 60699
607xx: 60701, 60706, 60707, 60712, 60714
608xx: 60803, 60804, 60805, 60827
How does Chicago, IL BAH compare?
For an E-5 with dependents, Chicago, IL pays $3,438 a month: number 29 of 338 housing areas, and $1,377 above the middle of all areas ($2,061). Other housing areas in Illinois:
- Champaign/Urbana, IL E-5 with dependents $1,539
- Great Lakes Navtracen, IL E-5 with dependents $2,427
- Peoria, IL E-5 with dependents $1,572
- Rock Island, IL E-5 with dependents $1,908
- Scott AFB, IL E-5 with dependents $1,542
- Springfield/Decatur, IL E-5 with dependents $1,527
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.
- Illinois minimum wage The Illinois minimum wage for 2026 and 2027, with full-time pay.
- Illinois paycheck calculator Take-home pay for a civilian job in Illinois, after federal and state tax.
Questions about BAH in Chicago, IL
What is E-5 BAH in Chicago, IL for 2026?
$3,438 a month with dependents and $2,736 without ($41,256 and $32,832 a year). That ranks 29 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 Chicago, IL?
An O-3 gets $3,738 a month with dependents and $3,603 without in 2026. A W-2 gets $3,729 and $3,495.
How much BAH does an E-1 get in Chicago, IL?
$3,174 a month with dependents and $2,415 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Chicago, IL BAH rates?
298 ZIP codes in DTMO’s 2026 list map to this housing area (IL325): 60004, 60005, 60006, 60007, 60008 and 293 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Chicago, IL 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 $6,374.35 a month here with allowances and takes home about $5,871.73. Illinois does not tax a resident’s active-duty pay, so no state tax comes off.
When will Chicago, IL 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.