United States · BAH 2026 · Michigan

Saginaw, MI BAH rates 2026

In Saginaw, MI, 2026 BAH runs from $1,080 a month (E-1 without dependents) to $2,031 (O-7 and above with dependents). An E-5 with dependents gets $1,503 a month, not taxed.

Saginaw, MI · E-5 · with dependents

$1,503 a month

$18,036 a year, not taxed.

Saginaw, MI: monthly BAH by grade, 2026
Grade	With dependents	Without dependents
E-1	$1,329	$1,080
E-2	$1,329	$1,080
E-3	$1,329	$1,080
E-4	$1,329	$1,080
E-5	$1,503	$1,128
E-6	$1,749	$1,311
E-7	$1,782	$1,338
E-8	$1,818	$1,560
E-9	$1,869	$1,623
W-1	$1,767	$1,326
W-2	$1,797	$1,557
W-3	$1,845	$1,635
W-4	$1,878	$1,749
W-5	$1,929	$1,788
O-1E	$1,785	$1,500
O-2E	$1,833	$1,608
O-3E	$1,887	$1,740
O-1	$1,542	$1,158
O-2	$1,746	$1,449
O-3	$1,842	$1,656
O-4	$1,938	$1,773
O-5	$2,007	$1,791
O-6	$2,022	$1,821
O-7 and above	$2,031	$1,848

What is take-home pay with BAH in Saginaw, MI?

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. Michigan does not tax a resident’s active-duty pay, so no state tax comes off.

Take-home pay examples in Saginaw, MI, a month
	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	$1,080.00	$1,329.00	$1,656.00	$1,842.00
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	$4,536.73	$4,942.04	$7,914.04	$8,465.81

Change the rank, years of service or state in the military pay calculator.

Which ZIP codes are in Saginaw, MI?

DTMO’s 2026 list maps 35 ZIP codes to this housing area (MI156). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.

48415, 48417, 48601, 48602, 48603, 48604, 48605, 48606, 48607, 48608, 48609, 48611, 48613, 48614, 48616, 48623, 48626, 48631, 48634, 48637, 48638, 48649, 48650, 48655, 48663, 48706, 48707, 48708, 48710, 48722, 48724, 48732, 48734, 48747, 48787

How does Saginaw, MI BAH compare?

For an E-5 with dependents, Saginaw, MI pays $1,503 a month: number 287 of 338 housing areas, and $558 below the middle of all areas ($2,061). Other housing areas in Michigan:

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?

Questions about BAH in Saginaw, MI

What is E-5 BAH in Saginaw, MI for 2026?

$1,503 a month with dependents and $1,128 without ($18,036 and $13,536 a year). That ranks 287 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 Saginaw, MI?

An O-3 gets $1,842 a month with dependents and $1,656 without in 2026. A W-2 gets $1,797 and $1,557.

How much BAH does an E-1 get in Saginaw, MI?

$1,329 a month with dependents and $1,080 without. E-1 to E-4 get the same rates here.

Which ZIP codes use Saginaw, MI BAH rates?

35 ZIP codes in DTMO’s 2026 list map to this housing area (MI156): 48415, 48417, 48601, 48602, 48603 and 30 more. BAH follows the ZIP code of your duty station, not where you live.

Is BAH in Saginaw, MI 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 $5,039.35 a month here with allowances and takes home about $4,536.73. Michigan does not tax a resident’s active-duty pay, so no state tax comes off.

When will Saginaw, MI 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.