United States · BAH 2026 · Texas
Houston, TX BAH rates 2026
In Houston, TX, 2026 BAH runs from $1,524 a month (E-1 without dependents) to $3,336 (O-7 and above with dependents). An E-5 with dependents gets $2,193 a month, not taxed.
Houston, TX · E-5 · with dependents
$2,193 a month
$26,316 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,974 | $1,524 |
| E-2 | $1,974 | $1,524 |
| E-3 | $1,974 | $1,524 |
| E-4 | $1,974 | $1,524 |
| E-5 | $2,193 | $1,665 |
| E-6 | $2,517 | $1,887 |
| E-7 | $2,583 | $1,980 |
| E-8 | $2,655 | $2,265 |
| E-9 | $2,796 | $2,352 |
| W-1 | $2,535 | $1,905 |
| W-2 | $2,610 | $2,262 |
| W-3 | $2,703 | $2,367 |
| W-4 | $2,829 | $2,526 |
| W-5 | $2,988 | $2,598 |
| O-1E | $2,592 | $2,190 |
| O-2E | $2,688 | $2,331 |
| O-3E | $2,856 | $2,508 |
| O-1 | $2,241 | $1,749 |
| O-2 | $2,514 | $2,124 |
| O-3 | $2,700 | $2,397 |
| O-4 | $3,039 | $2,580 |
| O-5 | $3,288 | $2,616 |
| O-6 | $3,312 | $2,679 |
| O-7 and above | $3,336 | $2,724 |
What is take-home pay with BAH in Houston, TX?
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. Texas has no income tax on wages, 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 | $1,524.00 | $1,974.00 | $2,397.00 | $2,700.00 |
| 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 | $4,980.73 | $5,587.04 | $8,655.04 | $9,323.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Houston, TX?
DTMO’s 2026 list maps 323 ZIP codes to this housing area (TX282). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 323 ZIP codes
770xx: 77001, 77002, 77003, 77004, 77005, 77006, 77007, 77008, 77009, 77010, 77011, 77012, 77013, 77014, 77015, 77016, 77017, 77018, 77019, 77020, 77021, 77022, 77023, 77024, 77025, 77026, 77027, 77028, 77029, 77030, 77031, 77032, 77033, 77034, 77035, 77036, 77037, 77038, 77039, 77040, 77041, 77042, 77043, 77044, 77045, 77046, 77047, 77048, 77049, 77050, 77051, 77052, 77053, 77054, 77055, 77056, 77057, 77058, 77059, 77060, 77061, 77062, 77063, 77064, 77065, 77066, 77067, 77068, 77069, 77070, 77071, 77072, 77073, 77074, 77075, 77076, 77077, 77078, 77079, 77080, 77081, 77082, 77083, 77084, 77085, 77086, 77087, 77088, 77089, 77090, 77091, 77092, 77093, 77094, 77095, 77096, 77098, 77099
772xx: 77201, 77202, 77203, 77204, 77205, 77206, 77207, 77208, 77210, 77212, 77213, 77215, 77216, 77217, 77218, 77219, 77220, 77221, 77222, 77223, 77224, 77225, 77226, 77227, 77228, 77229, 77230, 77231, 77233, 77234, 77235, 77236, 77237, 77238, 77240, 77241, 77242, 77243, 77244, 77245, 77248, 77249, 77251, 77252, 77253, 77254, 77255, 77256, 77257, 77258, 77259, 77261, 77262, 77263, 77265, 77266, 77267, 77268, 77269, 77270, 77271, 77272, 77273, 77274, 77275, 77277, 77279, 77280, 77282, 77284, 77287, 77288, 77289, 77290, 77291, 77292, 77293, 77297, 77299
773xx: 77301, 77302, 77303, 77304, 77305, 77306, 77315, 77316, 77318, 77325, 77333, 77336, 77337, 77338, 77339, 77345, 77346, 77347, 77353, 77354, 77355, 77356, 77357, 77362, 77365, 77372, 77373, 77375, 77377, 77378, 77379, 77380, 77381, 77382, 77383, 77384, 77385, 77386, 77387, 77388, 77389, 77391, 77393, 77396
774xx: 77401, 77402, 77406, 77407, 77410, 77411, 77413, 77417, 77422, 77429, 77430, 77431, 77433, 77441, 77444, 77447, 77449, 77450, 77451, 77459, 77461, 77463, 77464, 77469, 77471, 77476, 77477, 77478, 77479, 77480, 77481, 77484, 77486, 77487, 77489, 77491, 77492, 77493, 77494, 77496, 77497, 77498
775xx: 77501, 77502, 77503, 77504, 77505, 77506, 77507, 77508, 77510, 77511, 77512, 77515, 77516, 77517, 77518, 77520, 77521, 77522, 77530, 77531, 77532, 77534, 77536, 77539, 77541, 77542, 77545, 77546, 77547, 77549, 77550, 77551, 77552, 77553, 77554, 77555, 77562, 77563, 77565, 77566, 77568, 77571, 77572, 77573, 77574, 77577, 77578, 77581, 77583, 77584, 77586, 77587, 77588, 77590, 77591, 77592, 77598
776xx: 77617, 77623, 77650
How does Houston, TX BAH compare?
For an E-5 with dependents, Houston, TX pays $2,193 a month: number 141 of 338 housing areas, and $132 above the middle of all areas ($2,061). Other housing areas in Texas:
- Abilene/Dyess AFB, TX E-5 with dependents $1,872
- Austin, TX E-5 with dependents $2,241
- Beaumont, TX E-5 with dependents $1,518
- Brownsville, TX E-5 with dependents $1,503
- College Station, TX E-5 with dependents $1,758
- Corpus Christi, TX E-5 with dependents $1,788
- Dallas, TX E-5 with dependents $2,469
- El Paso, TX E-5 with dependents $1,809
- Fort Hood, TX E-5 with dependents $1,695
- Fort Worth, TX E-5 with dependents $2,118
- Goodfellow AFB, TX E-5 with dependents $1,578
- Laughlin AFB/Del Rio, TX E-5 with dependents $1,470
- Lubbock, TX E-5 with dependents $1,476
- San Antonio, TX E-5 with dependents $1,869
- Waco, TX E-5 with dependents $1,755
- Wichita Fls/Sheppard AFB, TX E-5 with dependents $1,491
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.
- Texas minimum wage The Texas minimum wage for 2026 and 2027, with full-time pay.
- Texas paycheck calculator Take-home pay for a civilian job in Texas, after federal and state tax.
Questions about BAH in Houston, TX
What is E-5 BAH in Houston, TX for 2026?
$2,193 a month with dependents and $1,665 without ($26,316 and $19,980 a year). That ranks 141 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 Houston, TX?
An O-3 gets $2,700 a month with dependents and $2,397 without in 2026. A W-2 gets $2,610 and $2,262.
How much BAH does an E-1 get in Houston, TX?
$1,974 a month with dependents and $1,524 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Houston, TX BAH rates?
323 ZIP codes in DTMO’s 2026 list map to this housing area (TX282): 77001, 77002, 77003, 77004, 77005 and 318 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Houston, TX 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 $5,483.35 a month here with allowances and takes home about $4,980.73. Texas has no income tax on wages, so no state tax comes off.
When will Houston, TX 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.