United States · BAH 2026 · Rhode Island
Providence, RI BAH rates 2026
In Providence, RI, 2026 BAH runs from $2,283 a month (E-1 without dependents) to $4,608 (O-7 and above with dependents). An E-5 with dependents gets $3,195 a month, not taxed.
Providence, RI · E-5 · with dependents
$3,195 a month
$38,340 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $3,045 | $2,283 |
| E-2 | $3,045 | $2,283 |
| E-3 | $3,045 | $2,283 |
| E-4 | $3,045 | $2,283 |
| E-5 | $3,195 | $2,682 |
| E-6 | $3,456 | $2,907 |
| E-7 | $3,657 | $3,048 |
| E-8 | $3,876 | $3,255 |
| E-9 | $4,101 | $3,324 |
| W-1 | $3,477 | $3,006 |
| W-2 | $3,747 | $3,252 |
| W-3 | $4,017 | $3,333 |
| W-4 | $4,131 | $3,498 |
| W-5 | $4,272 | $3,708 |
| O-1E | $3,699 | $3,192 |
| O-2E | $3,978 | $3,306 |
| O-3E | $4,152 | $3,447 |
| O-1 | $3,234 | $2,892 |
| O-2 | $3,453 | $3,150 |
| O-3 | $4,008 | $3,357 |
| O-4 | $4,317 | $3,669 |
| O-5 | $4,533 | $3,792 |
| O-6 | $4,572 | $3,996 |
| O-7 and above | $4,608 | $4,068 |
What is take-home pay with BAH in Providence, RI?
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. These assume Rhode Island is your state of legal residence: Rhode Island taxes a resident’s basic pay in full. If your legal residence is another state, its rule applies instead.
| 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 | $2,283.00 | $3,045.00 | $3,357.00 | $4,008.00 |
| 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 | −$79.18 | −$27.78 | −$225.44 | −$174.04 |
| Take-home a month | $5,660.54 | $6,630.26 | $9,389.60 | $10,457.77 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Providence, RI?
DTMO’s 2026 list maps 102 ZIP codes to this housing area (RI257). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 102 ZIP codes
015xx: 01504, 01529
020xx: 02019, 02038, 02070, 02093
027xx: 02703, 02712, 02714, 02715, 02718, 02722, 02760, 02761, 02762, 02763, 02764, 02766, 02767, 02768, 02769, 02771, 02779, 02780
028xx: 02802, 02804, 02807, 02808, 02812, 02813, 02814, 02815, 02816, 02817, 02818, 02822, 02823, 02824, 02825, 02826, 02827, 02828, 02829, 02830, 02831, 02832, 02833, 02836, 02838, 02839, 02852, 02857, 02858, 02859, 02860, 02861, 02862, 02863, 02864, 02865, 02873, 02874, 02875, 02876, 02877, 02879, 02880, 02881, 02882, 02883, 02886, 02887, 02888, 02889, 02891, 02892, 02893, 02894, 02895, 02896, 02898
029xx: 02901, 02902, 02903, 02904, 02905, 02906, 02907, 02908, 02909, 02910, 02911, 02912, 02914, 02915, 02916, 02917, 02918, 02919, 02920, 02921, 02940
How does Providence, RI BAH compare?
For an E-5 with dependents, Providence, RI pays $3,195 a month: number 43 of 338 housing areas, and $1,134 above the middle of all areas ($2,061). Other housing areas in Rhode Island:
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.
- Rhode Island minimum wage The Rhode Island minimum wage for 2026 and 2027, with full-time pay.
- Rhode Island paycheck calculator Take-home pay for a civilian job in Rhode Island, after federal and state tax.
Questions about BAH in Providence, RI
What is E-5 BAH in Providence, RI for 2026?
$3,195 a month with dependents and $2,682 without ($38,340 and $32,184 a year). That ranks 43 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 Providence, RI?
An O-3 gets $4,008 a month with dependents and $3,357 without in 2026. A W-2 gets $3,747 and $3,252.
How much BAH does an E-1 get in Providence, RI?
$3,045 a month with dependents and $2,283 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Providence, RI BAH rates?
102 ZIP codes in DTMO’s 2026 list map to this housing area (RI257): 01504, 01529, 02019, 02038, 02070 and 97 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Providence, RI 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 $6,242.35 a month here with allowances and takes home about $5,660.54. These assume Rhode Island is your state of legal residence: Rhode Island taxes a resident’s basic pay in full. If your legal residence is another state, its rule applies instead.
When will Providence, RI 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.