United States · BAH 2026 · Iowa
Des Moines, IA BAH rates 2026
In Des Moines, IA, 2026 BAH runs from $1,284 a month (E-1 without dependents) to $2,943 (O-7 and above with dependents). An E-5 with dependents gets $1,770 a month, not taxed.
Des Moines, IA · E-5 · with dependents
$1,770 a month
$21,240 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,593 | $1,284 |
| E-2 | $1,593 | $1,284 |
| E-3 | $1,593 | $1,284 |
| E-4 | $1,593 | $1,284 |
| E-5 | $1,770 | $1,359 |
| E-6 | $2,208 | $1,656 |
| E-7 | $2,292 | $1,719 |
| E-8 | $2,379 | $1,863 |
| E-9 | $2,511 | $1,989 |
| W-1 | $2,229 | $1,674 |
| W-2 | $2,328 | $1,860 |
| W-3 | $2,436 | $2,007 |
| W-4 | $2,538 | $2,223 |
| W-5 | $2,667 | $2,310 |
| O-1E | $2,304 | $1,767 |
| O-2E | $2,418 | $1,962 |
| O-3E | $2,559 | $2,202 |
| O-1 | $1,830 | $1,413 |
| O-2 | $2,205 | $1,722 |
| O-3 | $2,433 | $2,049 |
| O-4 | $2,706 | $2,289 |
| O-5 | $2,904 | $2,334 |
| O-6 | $2,925 | $2,415 |
| O-7 and above | $2,943 | $2,454 |
What is take-home pay with BAH in Des Moines, IA?
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. Iowa 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 | $1,284.00 | $1,593.00 | $2,049.00 | $2,433.00 |
| 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 | $4,740.73 | $5,206.04 | $8,307.04 | $9,056.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Des Moines, IA?
DTMO’s 2026 list maps 76 ZIP codes to this housing area (IA082). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 76 ZIP codes
500xx: 50007, 50009, 50021, 50023, 50032, 50035, 50073
501xx: 50111, 50131, 50169
502xx: 50226, 50237, 50243, 50265, 50266
503xx: 50301, 50302, 50303, 50304, 50305, 50306, 50307, 50308, 50309, 50310, 50311, 50312, 50313, 50314, 50315, 50316, 50317, 50318, 50319, 50320, 50321, 50322, 50323, 50324, 50325, 50327, 50328, 50329, 50330, 50331, 50332, 50333, 50334, 50335, 50336, 50339, 50340, 50359, 50360, 50361, 50362, 50363, 50364, 50367, 50368, 50369, 50380, 50381, 50391, 50392, 50393, 50394, 50395, 50396, 50398
509xx: 50936, 50947, 50980, 50981, 50982, 50983
How does Des Moines, IA BAH compare?
For an E-5 with dependents, Des Moines, IA pays $1,770 a month: number 231 of 338 housing areas, and $291 below the middle of all areas ($2,061).
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.
- Iowa minimum wage The Iowa minimum wage for 2026 and 2027, with full-time pay.
- Iowa paycheck calculator Take-home pay for a civilian job in Iowa, after federal and state tax.
Questions about BAH in Des Moines, IA
What is E-5 BAH in Des Moines, IA for 2026?
$1,770 a month with dependents and $1,359 without ($21,240 and $16,308 a year). That ranks 231 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 Des Moines, IA?
An O-3 gets $2,433 a month with dependents and $2,049 without in 2026. A W-2 gets $2,328 and $1,860.
How much BAH does an E-1 get in Des Moines, IA?
$1,593 a month with dependents and $1,284 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Des Moines, IA BAH rates?
76 ZIP codes in DTMO’s 2026 list map to this housing area (IA082): 50007, 50009, 50021, 50023, 50032 and 71 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Des Moines, IA 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 $5,243.35 a month here with allowances and takes home about $4,740.73. Iowa does not tax a resident’s active-duty pay, so no state tax comes off.
When will Des Moines, IA 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.