United States · BAH 2026 · Minnesota
Duluth, MN BAH rates 2026
In Duluth, MN, 2026 BAH runs from $1,455 a month (E-1 without dependents) to $2,847 (O-7 and above with dependents). An E-5 with dependents gets $2,064 a month, not taxed.
Duluth, MN · E-5 · with dependents
$2,064 a month
$24,768 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,917 | $1,455 |
| E-2 | $1,917 | $1,455 |
| E-3 | $1,917 | $1,455 |
| E-4 | $1,917 | $1,455 |
| E-5 | $2,064 | $1,653 |
| E-6 | $2,334 | $1,782 |
| E-7 | $2,355 | $1,923 |
| E-8 | $2,364 | $2,124 |
| E-9 | $2,433 | $2,196 |
| W-1 | $2,352 | $1,878 |
| W-2 | $2,361 | $2,121 |
| W-3 | $2,373 | $2,208 |
| W-4 | $2,457 | $2,328 |
| W-5 | $2,583 | $2,343 |
| O-1E | $2,358 | $2,061 |
| O-2E | $2,367 | $2,181 |
| O-3E | $2,478 | $2,325 |
| O-1 | $2,106 | $1,767 |
| O-2 | $2,331 | $2,019 |
| O-3 | $2,370 | $2,232 |
| O-4 | $2,619 | $2,331 |
| O-5 | $2,808 | $2,346 |
| O-6 | $2,829 | $2,349 |
| O-7 and above | $2,847 | $2,376 |
What is take-home pay with BAH in Duluth, MN?
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. Minnesota 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 | $1,455.00 | $1,917.00 | $2,232.00 | $2,370.00 |
| 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 | $4,911.73 | $5,530.04 | $8,490.04 | $8,993.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Duluth, MN?
DTMO’s 2026 list maps 74 ZIP codes to this housing area (MN158). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 74 ZIP codes
548xx: 54820, 54836, 54838, 54842, 54849, 54854, 54864, 54873, 54874, 54880, 54890
556xx: 55602
557xx: 55702, 55703, 55705, 55706, 55707, 55708, 55710, 55711, 55713, 55717, 55718, 55719, 55720, 55723, 55724, 55725, 55726, 55731, 55732, 55733, 55734, 55736, 55738, 55741, 55746, 55749, 55750, 55751, 55757, 55758, 55763, 55765, 55766, 55767, 55768, 55771, 55772, 55777, 55779, 55780, 55781, 55782, 55790, 55791, 55792, 55796, 55797, 55798
558xx: 55801, 55802, 55803, 55804, 55805, 55806, 55807, 55808, 55810, 55811, 55812, 55814, 55815, 55816
How does Duluth, MN BAH compare?
For an E-5 with dependents, Duluth, MN pays $2,064 a month: number 169 of 338 housing areas, and $3 above the middle of all areas ($2,061). Other housing areas in Minnesota:
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.
- Minnesota minimum wage The Minnesota minimum wage for 2026 and 2027, with full-time pay.
- Minnesota paycheck calculator Take-home pay for a civilian job in Minnesota, after federal and state tax.
Questions about BAH in Duluth, MN
What is E-5 BAH in Duluth, MN for 2026?
$2,064 a month with dependents and $1,653 without ($24,768 and $19,836 a year). That ranks 169 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 Duluth, MN?
An O-3 gets $2,370 a month with dependents and $2,232 without in 2026. A W-2 gets $2,361 and $2,121.
How much BAH does an E-1 get in Duluth, MN?
$1,917 a month with dependents and $1,455 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Duluth, MN BAH rates?
74 ZIP codes in DTMO’s 2026 list map to this housing area (MN158): 54820, 54836, 54838, 54842, 54849 and 69 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Duluth, MN 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 $5,414.35 a month here with allowances and takes home about $4,911.73. Minnesota does not tax a resident’s active-duty pay, so no state tax comes off.
When will Duluth, MN 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.