United States · BAH 2026 · Michigan
Traverse City, MI BAH rates 2026
In Traverse City, MI, 2026 BAH runs from $1,716 a month (E-1 without dependents) to $3,441 (O-7 and above with dependents). An E-5 with dependents gets $2,070 a month, not taxed.
Traverse City, MI · E-5 · with dependents
$2,070 a month
$24,840 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,037 | $1,716 |
| E-2 | $2,037 | $1,716 |
| E-3 | $2,037 | $1,716 |
| E-4 | $2,037 | $1,716 |
| E-5 | $2,070 | $1,896 |
| E-6 | $2,802 | $2,103 |
| E-7 | $2,901 | $2,175 |
| E-8 | $3,003 | $2,253 |
| E-9 | $3,123 | $2,439 |
| W-1 | $2,823 | $2,118 |
| W-2 | $2,943 | $2,214 |
| W-3 | $3,072 | $2,463 |
| W-4 | $3,141 | $2,820 |
| W-5 | $3,231 | $2,922 |
| O-1E | $2,916 | $2,187 |
| O-2E | $3,051 | $2,388 |
| O-3E | $3,156 | $2,796 |
| O-1 | $2,160 | $1,998 |
| O-2 | $2,793 | $2,178 |
| O-3 | $3,069 | $2,535 |
| O-4 | $3,255 | $2,898 |
| O-5 | $3,390 | $2,955 |
| O-6 | $3,417 | $3,051 |
| O-7 and above | $3,441 | $3,102 |
What is take-home pay with BAH in Traverse City, 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.
| 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 | $1,716.00 | $2,037.00 | $2,535.00 | $3,069.00 |
| 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 | $5,172.73 | $5,650.04 | $8,793.04 | $9,692.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Traverse City, MI?
DTMO’s 2026 list maps 45 ZIP codes to this housing area (MI146). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
49411, 49431, 49601, 49610, 49613, 49614, 49616, 49617, 49618, 49619, 49620, 49621, 49625, 49626, 49628, 49630, 49634, 49635, 49636, 49637, 49638, 49640, 49643, 49645, 49649, 49650, 49653, 49654, 49660, 49663, 49664, 49666, 49668, 49670, 49673, 49674, 49675, 49682, 49683, 49684, 49685, 49686, 49689, 49690, 49696
How does Traverse City, MI BAH compare?
For an E-5 with dependents, Traverse City, MI pays $2,070 a month: number 167 of 338 housing areas, and $9 above the middle of all areas ($2,061). Other housing areas in Michigan:
- Ann Arbor, MI E-5 with dependents $2,559
- Battle Creek/Kalamazoo, MI E-5 with dependents $1,959
- Detroit, MI E-5 with dependents $2,361
- Grand Haven, MI E-5 with dependents $2,181
- Grand Rapids, MI E-5 with dependents $2,148
- Lansing, MI E-5 with dependents $1,806
- Marquette, MI E-5 with dependents $1,821
- Saginaw, MI E-5 with dependents $1,503
- Sault Ste Marie, MI E-5 with dependents $1,536
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.
- Michigan minimum wage The Michigan minimum wage for 2026 and 2027, with full-time pay.
- Michigan paycheck calculator Take-home pay for a civilian job in Michigan, after federal and state tax.
Questions about BAH in Traverse City, MI
What is E-5 BAH in Traverse City, MI for 2026?
$2,070 a month with dependents and $1,896 without ($24,840 and $22,752 a year). That ranks 167 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 Traverse City, MI?
An O-3 gets $3,069 a month with dependents and $2,535 without in 2026. A W-2 gets $2,943 and $2,214.
How much BAH does an E-1 get in Traverse City, MI?
$2,037 a month with dependents and $1,716 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Traverse City, MI BAH rates?
45 ZIP codes in DTMO’s 2026 list map to this housing area (MI146): 49411, 49431, 49601, 49610, 49613 and 40 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Traverse City, 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 $5,675.35 a month here with allowances and takes home about $5,172.73. Michigan does not tax a resident’s active-duty pay, so no state tax comes off.
When will Traverse City, 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.