United States · BAH 2026 · Arizona
Phoenix, AZ BAH rates 2026
In Phoenix, AZ, 2026 BAH runs from $1,587 a month (E-1 without dependents) to $2,814 (O-7 and above with dependents). An E-5 with dependents gets $2,289 a month, not taxed.
Phoenix, AZ · E-5 · with dependents
$2,289 a month
$27,468 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,061 | $1,587 |
| E-2 | $2,061 | $1,587 |
| E-3 | $2,061 | $1,587 |
| E-4 | $2,061 | $1,587 |
| E-5 | $2,289 | $1,740 |
| E-6 | $2,457 | $1,857 |
| E-7 | $2,475 | $2,070 |
| E-8 | $2,484 | $2,331 |
| E-9 | $2,517 | $2,367 |
| W-1 | $2,472 | $1,992 |
| W-2 | $2,481 | $2,328 |
| W-3 | $2,493 | $2,376 |
| W-4 | $2,535 | $2,448 |
| W-5 | $2,622 | $2,460 |
| O-1E | $2,478 | $2,286 |
| O-2E | $2,487 | $2,358 |
| O-3E | $2,547 | $2,445 |
| O-1 | $2,319 | $1,830 |
| O-2 | $2,454 | $2,217 |
| O-3 | $2,490 | $2,391 |
| O-4 | $2,646 | $2,451 |
| O-5 | $2,775 | $2,463 |
| O-6 | $2,796 | $2,466 |
| O-7 and above | $2,814 | $2,487 |
What is take-home pay with BAH in Phoenix, AZ?
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. Arizona 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 | $1,587.00 | $2,061.00 | $2,391.00 | $2,490.00 |
| 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 | $5,043.73 | $5,674.04 | $8,649.04 | $9,113.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Phoenix, AZ?
DTMO’s 2026 list maps 222 ZIP codes to this housing area (AZ013). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 222 ZIP codes
850xx: 85001, 85002, 85003, 85004, 85005, 85006, 85007, 85008, 85009, 85010, 85011, 85012, 85013, 85014, 85015, 85016, 85017, 85018, 85019, 85020, 85021, 85022, 85023, 85024, 85026, 85027, 85028, 85029, 85030, 85031, 85032, 85033, 85034, 85035, 85036, 85037, 85038, 85040, 85041, 85042, 85043, 85044, 85045, 85046, 85048, 85050, 85051, 85053, 85054, 85060, 85061, 85062, 85063, 85064, 85066, 85067, 85068, 85069, 85070, 85071, 85072, 85074, 85076, 85078, 85079, 85080, 85082, 85083, 85085, 85086, 85087
851xx: 85117, 85118, 85119, 85120, 85121, 85122, 85123, 85127, 85128, 85130, 85131, 85132, 85135, 85137, 85138, 85139, 85140, 85141, 85142, 85143, 85144, 85145, 85147, 85172, 85173, 85178, 85190, 85191, 85192, 85193, 85194
852xx: 85201, 85202, 85203, 85204, 85205, 85206, 85207, 85208, 85209, 85210, 85211, 85212, 85213, 85214, 85215, 85216, 85224, 85225, 85226, 85233, 85234, 85236, 85244, 85246, 85248, 85249, 85250, 85251, 85252, 85253, 85254, 85255, 85256, 85257, 85258, 85259, 85260, 85261, 85262, 85263, 85264, 85266, 85267, 85268, 85269, 85271, 85274, 85275, 85277, 85280, 85281, 85282, 85283, 85284, 85285, 85286, 85287, 85288, 85295, 85296, 85297, 85298, 85299
853xx: 85301, 85302, 85303, 85304, 85305, 85306, 85307, 85308, 85309, 85310, 85311, 85312, 85318, 85320, 85322, 85323, 85326, 85327, 85329, 85331, 85335, 85337, 85338, 85339, 85340, 85342, 85343, 85345, 85351, 85353, 85354, 85355, 85358, 85361, 85363, 85372, 85373, 85374, 85375, 85376, 85377, 85378, 85379, 85380, 85381, 85382, 85383, 85385, 85387, 85388, 85390, 85392, 85395, 85396
856xx: 85618, 85623, 85631
How does Phoenix, AZ BAH compare?
For an E-5 with dependents, Phoenix, AZ pays $2,289 a month: number 124 of 338 housing areas, and $228 above the middle of all areas ($2,061). Other housing areas in Arizona:
- Davis-Monthan AFB, AZ E-5 with dependents $1,905
- Fort Huachuca, AZ E-5 with dependents $1,719
- Yuma, AZ E-5 with dependents $1,695
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.
- Arizona minimum wage The Arizona minimum wage for 2026 and 2027, with full-time pay.
- Arizona paycheck calculator Take-home pay for a civilian job in Arizona, after federal and state tax.
Questions about BAH in Phoenix, AZ
What is E-5 BAH in Phoenix, AZ for 2026?
$2,289 a month with dependents and $1,740 without ($27,468 and $20,880 a year). That ranks 124 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 Phoenix, AZ?
An O-3 gets $2,490 a month with dependents and $2,391 without in 2026. A W-2 gets $2,481 and $2,328.
How much BAH does an E-1 get in Phoenix, AZ?
$2,061 a month with dependents and $1,587 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Phoenix, AZ BAH rates?
222 ZIP codes in DTMO’s 2026 list map to this housing area (AZ013): 85001, 85002, 85003, 85004, 85005 and 217 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Phoenix, AZ 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 $5,546.35 a month here with allowances and takes home about $5,043.73. Arizona does not tax a resident’s active-duty pay, so no state tax comes off.
When will Phoenix, AZ 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.