United States · BAH 2026 · Texas

Waco, TX BAH rates 2026

In Waco, TX, 2026 BAH runs from $1,404 a month (E-1 without dependents) to $3,138 (O-7 and above with dependents). An E-5 with dependents gets $1,755 a month, not taxed.

Waco, TX · E-5 · with dependents

$1,755 a month

$21,060 a year, not taxed.

Waco, TX: monthly BAH by grade, 2026
Grade	With dependents	Without dependents
E-1	$1,617	$1,404
E-2	$1,617	$1,404
E-3	$1,617	$1,404
E-4	$1,617	$1,404
E-5	$1,755	$1,440
E-6	$2,097	$1,572
E-7	$2,199	$1,650
E-8	$2,310	$1,830
E-9	$2,496	$1,926
W-1	$2,118	$1,590
W-2	$2,244	$1,827
W-3	$2,382	$1,938
W-4	$2,538	$2,118
W-5	$2,730	$2,223
O-1E	$2,217	$1,752
O-2E	$2,361	$1,902
O-3E	$2,568	$2,091
O-1	$1,803	$1,473
O-2	$2,094	$1,713
O-3	$2,379	$1,971
O-4	$2,793	$2,199
O-5	$3,093	$2,319
O-6	$3,117	$2,361
O-7 and above	$3,138	$2,400

What is take-home pay with BAH in Waco, 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.

Take-home pay examples in Waco, TX, 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	$1,404.00	$1,617.00	$1,971.00	$2,379.00
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	$4,860.73	$5,230.04	$8,229.04	$9,002.81

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

Which ZIP codes are in Waco, TX?

DTMO’s 2026 list maps 33 ZIP codes to this housing area (TX415). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.

76524, 76557, 76624, 76630, 76633, 76638, 76640, 76643, 76654, 76655, 76657, 76664, 76682, 76684, 76689, 76691, 76701, 76702, 76703, 76704, 76705, 76706, 76707, 76708, 76710, 76711, 76712, 76714, 76715, 76716, 76797, 76798, 76799

How does Waco, TX BAH compare?

For an E-5 with dependents, Waco, TX pays $1,755 a month: number 233 of 338 housing areas, and $306 below the middle of all areas ($2,061). Other housing areas in Texas:

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 Waco, TX

What is E-5 BAH in Waco, TX for 2026?

$1,755 a month with dependents and $1,440 without ($21,060 and $17,280 a year). That ranks 233 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 Waco, TX?

An O-3 gets $2,379 a month with dependents and $1,971 without in 2026. A W-2 gets $2,244 and $1,827.

How much BAH does an E-1 get in Waco, TX?

$1,617 a month with dependents and $1,404 without. E-1 to E-4 get the same rates here.

Which ZIP codes use Waco, TX BAH rates?

33 ZIP codes in DTMO’s 2026 list map to this housing area (TX415): 76524, 76557, 76624, 76630, 76633 and 28 more. BAH follows the ZIP code of your duty station, not where you live.

Is BAH in Waco, 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 $5,363.35 a month here with allowances and takes home about $4,860.73. Texas has no income tax on wages, so no state tax comes off.

When will Waco, 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.