Bah rates va

VA Home Loan Guide; 2024 BAH Rates; 2024 BAH Calculator; 2024 BAS Rates; Monthly Housing Allowance Calculator; Best VA Lenders. VA Loan Calculator. VA Loan Limits by County. ... Post 9/11 GI Bill BAH Rate for Online Colleges Updated: August 14, 2023. Popular Articles Understanding Honorable Discharge: A Guide for Veterans

BAH rates for 2024, plus GI Bill housing allowance rates for 2023-2024. GI Bill housing allowance rates are updated just before the start of the Fall academic year, so check back after 1 August 2024 for updated BAH rates for GI Bill users. ... More information about education benefits offered by the VA is available at the official U.S ...Review current payment rates for the following VA education and training programs: Post-9/11 GI Bill (Chapter 33) Montgomery GI Bill - Active Duty (MGIB-AD/Chapter 30) ... (BAH) pay for an E-5 with Dependents calculated: (MHA Rate x Rate of Pursuit x Benefit %). A maximum of one-half MHA Rate paid if 100% of classes are enrolled online.2024 Basic Allowance for Housing (BAH) Rates Updated: December 19, 2023 2024 BAH Calculator Updated: March 5, 2024 2024 Military Pay Charts Updated: January 2, 2024 2024 BAH Rates By State and Local MHA Updated: December 21, 2023 2024 Basic Allowance for Subsistence (BAS) Rates Updated: August 2, 2023 2024 Military Pay Dates and LES Release DatesThe table below contains BAH rates for Miami Fort Lauderdale. Basic Allowance for Housing Calculator Miami Fort Lauderdale Housing Allowance for 2022. E-1: $2,418.00/mo. with dependents or $1,956.00/mo. w/o dependents: E-2: $2,418.00/mo. with dependents or $1,956.00/mo. w/o dependents2023: CHICAGO, IL Basic Housing Allowance. Following table displays BAH rates for CHICAGO, IL (IL325) military housing area for the year 2023Basic Allowance for Housing, or BAH, is a tool that can help VA lenders gauge what kind of mortgage payment an eligible veteran can handle. Published on January 11, 2021. Basic Allowance for Housing (BAH) helps pad housing costs when living off base. Those eligible to receive BAH are service members with dependents or those without access to ...These differing locality rates allow for granular calculation of average cost of renting in your area. Basic Allowance for Housing Calculator. Virginia Housing Allowance for 2022. Dendron, Surry County. O-1E with dependents receives $2,448.00/mo. Housing Allowance. [More] Warrenton. O-1E with dependents receives $2,253.00/mo. Housing Allowance.

Rate Lookup Results. CY: 2 3 : ZIP CODE: 3 3 1 9 9 : MILITARY HOUSING AREA: MIAMI/FORT LAUDERDALE, FL (FL061) MONTHLY ALLOWANCE: E 5 with DEPENDENTS: E 5 without DEPENDENTS: $ 3510.00: $ 2799.00: See BAH Frequently Asked Questions for more information. For other BAH concerns, contact your service's BAH POC. ...BAH For Washington, D.C. / Arlington, VA Image: Wikimedia.org. Washington, D.C. and Arlington, VA is well protected by the U.S. Armed Forces and federal organizations such as the C.I.A. ... Washington DC BAH rates are designed to make housing more affordable for service members and dependents. The city is divided into quadrants with more than ...Full-time enrollment: $1,913.00 for each full month. 3/4-time enrollment: $1,434.75 for each full month. 1/2-time enrollment: $956.50 for each full month. If you're enrolled less than 1/2 time, we'll pay you up to the amount listed here for every month you're enrolled—but no more than the cost of your tuition and fees:We base your MHA on the monthly military Basic Allowance for Housing (BAH) rates for an E-5 with dependents. This is called the resident MHA. We use the 2024 rates to calculate the MHA you get between August 1, 2024, and July 31, 2025. ... You can ask us a question online through Ask VA.Basic Allowance for Housing (BAH) rates in Pennsylvania increased for 2024. The national average increased by 5.9%, while Pennsylvania duty stations received an increase explained here. Below are the local BAH rates charts for Military Housing Areas in Oregon. The Department of Defense determines BAH rates by location, pay …

Written by Veteran.com Team. Effective Jan. 1, 2014, active duty service members will see an average Basic Allowance for Housing (BAH) rate increase of 5.0% or around $75 to $80 on average. The increase marks the largest in 5 years and lands 1.2% higher than 2013’s 3.8% increase.The MHA payments you receive for the Post-9/11 GI. Bill are based on the military's Basic Allowance for. Housing (BAH) rates for an E-5 with dependents. The.Post 9/11 GI Bill MHA rates are adjusted 1 August of each year and are based on the 1 January DoD BAH rates for that year - so VA can't use 1 January 2023 BAH rates until 1 August 2023 - for those who started training on/after 1 January 2018, the MHA rates are 95% of the DoD BAH rates. For VR&E, ...2023: BIRMINGHAM, AL Basic Housing Allowance. Following table displays BAH rates for BIRMINGHAM, AL (AL007) military housing area for the year 2023FY2012 - FY2017 Basic Allowance for Housing (BAH) Comparison. Basic Allowance for Housing (BAH) for 2017 increased by 2.4% on average or approximately $41 per month. New BAH rates take effect on Jan. 1, 2017, and service members will see their first increase on their Jan. 15 pay.Mar 5, 2024 · 2024 BAH Calculator. Basic Allowance for Housing (BAH) is a financial benefit provided to military members to help cover the cost of housing. BAH rates increased by 5.4% in 2024. Use the BAH calculator below to determine your 2024 BAH rate. The calculator requires your pay grade, duty station and zip code to calculate your BAH rate both with ...

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GI Bill Resident Rate Requirements. Section 3679(c) of title 38, United States Code requires VA to disapprove programs of education for payment of benefits under the Post-9/11 GI Bill and Montgomery GI Bill-Active Duty at public Institutions of Higher Learning (IHLs) if the school charges qualifying Veterans and dependents tuition and fees in excess of the rate for resident students for terms ...The table below contains BAH rates for Richmond Fort Lee. Basic Allowance for Housing Calculator Richmond Fort Lee Housing Allowance for 2022. E-1: $1,542.00/mo. with dependents or $1,269.00/mo. w/o dependents: E-2: $1,542.00/mo. with dependents or $1,269.00/mo. w/o dependentsYour payment would be 1/3 of the monthly rate. We’ll pay you up to the monthly rate listed here based on your scheduled clock hours per week: Full-time enrollment: $466.00 for each full month. 3/4-time enrollment: $349.00 for each full month. 1/2-time enrollment: $233.00 for each full month.2023: WARRENTON, VA Basic Housing Allowance. Following table displays BAH rates for WARRENTON, VA (VA302) military housing area for the year 2023

KAUAI COUNTY, HI BAH Rates. Basic Allowance for Housing (BAH) rates in Hawaii received an increase for 2024. The national average increased by 5.9%. Review 2024 Hawaii duty station BAH rates below. Here are the local basic allowance for housing (BAH) rate charts for military housing areas in the State of Hawaii.Basic Allowance for Housing (BAH) rates for 2018 will increase by 0.7% on average. The increase is far from the proposed 2.9%. The 0.7% increase will be effective on Jan. 1, 2018, and service members will see the first increase on their Jan. 15 pay. BAH varies by location, and not every location will see an increase.2023: CHARLOTTESVILLE, VA Basic Housing Allowance. Following table displays BAH rates for CHARLOTTESVILLE, VA (VA295) military housing area for the year 2023QUANTICO / WOODBRIDGE, VA BAH Rates 2023. Home; VA Virginia; QUANTICO / WOODBRIDGE; 2023: QUANTICO / WOODBRIDGE, VA Basic Housing Allowance. Following table displays BAH rates for QUANTICO/WOODBRIDGE, VA (VA296) military housing area for the year 2023 Rank With Dependents Without Dependents; E1 : …O7. $2997.00. $2559.00. The basic allowance for housing is available to soldiers based on rank. The BAH allotment can be used to purchase a home or rent a residence. For more information about applicable BAH rates and properties in close proximity to Naval Amphibious Base Little Creek, call 1-800-628-7510.Basic Allowance for Housing (BAH) rates in Alabama increased notably in 2024. Below are the local BAH rates charts for Military Housing Areas in Alabama. The Department of Defense determines BAH rates by location, pay grade (rank) and if a soldier has dependents. See 2024 Basic Allowance for Housing (BAH) rates here .The allowance is based on type of training, rate of attendance (full or part time) and number of dependents. The charts below reflect the rates as of Oct. 1, 2023. Fiscal 2024 Veteran Readiness ...VA Home Loan Guide; 2024 BAH Rates; 2024 BAH Calculator; 2024 BAS Rates; Monthly Housing Allowance Calculator; Best VA Lenders. VA Loan Calculator. VA Loan Limits by County. ... Post 9/11 GI Bill BAH Rate for Online Colleges Updated: August 14, 2023. Popular Articles Understanding Honorable Discharge: A Guide for Veterans

If a Veteran qualifies for the Post-9/11 GI Bill, they may be eligible to receive the Basic Allowance for Housing (BAH) rate for subsistence. Current. FY24 Standard …

2024 Fort Sam Houston, TX BAH Rates have increased by 3.9 percent from 2023. For 2024, soldiers with dependents receive 23.3% more BAH than soldiers without dependents. Fort Sam Houston, TX's BAH is ranked 32 nd highest out of all army bases.** 2024 Enlisted Rates. With Dependents Without Dependents; E1: $1803.00: $1353.00: E2:730 to 909 days (24 to 29 months): 80% of the full benefit. 545 to 729 days (18 to 23 months): 70% of the full benefit. 180 to 544 days (6 to 17 months): 60% of the full benefit. 90 to 179 days (90 days to 5 months): 50% of the full benefit. The rates listed on this page are for 100% percent of the full benefit.2024 BAH Rates and Post-9/11 GI Bill MHA for California Find California BAH Rates (Basic Allowance for Housing) by city, pay grade, and dependency status. For Post 911 GI Bill BAH Rates, please visit our BAH Rates page here.2024 BAH Rates for Virginia. Find BAH rates for Virginia broken out by the city, pay grade, and dependency status. BAH stands for Basic Allowance for Housing. For Post 911 GI Bill BAH Rates, please use E-5 with Dependents to determine monthly housing allowance.2023: HOUSTON, TX Basic Housing Allowance. Following table displays BAH rates for HOUSTON, TX (TX282) military housing area for the year 20232016 Honolulu BAH Rates With Dependents . 2016 Honolulu BAH Rates Without Dependents. To find out how you can qualify for a VA loan, contact us at 808-792-4251 or simply fill out our secured online loan application and a member of our team will get back to you. See the BAH Rates for all locations here: 2016 BAH Rates With Dependents - all ...2023: MEMPHIS, TN Basic Housing Allowance. Following table displays BAH rates for MEMPHIS, TN (TN268) military housing area for the year 2023Official website of the Defense Travel Management Office (DTMO), the single focal point for commercial travel within the Department of Defense.BAH is based on rate of pursuit of certified classes with at least one credit in the traditional classroom setting. BAH rates can be found using the GI Bill® comparison tool (subject to change). Full-time rate of pursuit is 12 credit hours for undergraduate students and 9 credit hours for graduate students for a standard term.

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BAS Rate Increases. There is an 1.7% increase for BAS in 2024, according to the U.S. Department of Defense. Effective Jan. 1, 2024, enlisted members will receive $460.25 per month, an increase of $7.69 from 2023. Officers will receive $316.98, an increase of $5.30. BAS is provided to all service members.2023: LOS ANGELES, CA Basic Housing Allowance. Following table displays BAH rates for LOS ANGELES, CA (CA037) military housing area for the year 20232024 Basic Allowance for Housing (BAH) Rates Updated: December 19, 2023 2024 BAH Calculator Updated: March 5, 2024 2024 Military Pay Charts Updated: January 2, 2024 2024 BAH Rates By State and Local MHA Updated: December 21, 2023 2024 Basic Allowance for Subsistence (BAS) Rates Updated: August 2, 2023 2024 Military Pay Dates and LES Release DatesThe Defense Department estimates that it will pay $25.6 billion in BAH to one million service members, an increase of $2.6 billion from 2021. The 5.1% average increase is the largest in years: The ...Per diem rates. Rates are set by fiscal year, effective Oct. 1 each year. Find current rates in the continental United States, or CONUS rates, by searching below with city and state or ZIP code, or by clicking on the map, or use the new per diem tool to calculate trip allowances.Additional BAH Notes. Basic Allowance for Housing (BAH) rates for 2021 increased by 2.9% on average. 2.9% represents an average for all areas. Actual rates vary by location based on the respective data points collected by the Department of Defense (DoD). The new BAH rates go into effect on Jan. 1., 2021 and service members will see their first ...NSF Dahlgren, VA Housing and Relocation Information. Basic Allowance For Housing (BAH) gives active service members two options for housing; living on post or finding a home off-post within the community. Once you have orders to move, contact the Housing Service Center (540) 653-8505/8506 . They can answer all of your housing questions …2023 BAH Rates. The 12.1% average increase from 2022 to 2023 represents another larger-than-normal increase. The 2022 increase of 5.1% was already up from 2.9% in 2021. The department bases BAH on a combination of local costs for rent and utilities for various housing types.Basic Allowance for Housing (BAH) rates in New Mexico increased notably for 2024. The national average increased by 5.9%, while New Mexico duty stations received a similar increase on average. Below are the local BAH rates charts for Military Housing Areas in New Mexico. The Department of Defense determines BAH rates by location, pay grade ...To calculate your BAH rate, enter your pay grade and duty station into the BAH calculator. If you have dependents, check the box indicating so, and the BAH amount will update at the top. You’ll see your monthly and yearly BAH, plus the median home price in the area. ….

If you're eligible for accelerated charges, we'll pay for any tuition costs and fees over $392 each month. We may reduce 1 day of your entitlement for every monthly payment of $49.60. This is 1/30 of the full-time rate. Note: Only children using Chapter 35 benefits can get special restorative training.The 2024 Basic Allowance for Housing, or BAH, average rates for military service members will increase by 5.4%. The Pentagon announced the 2024 BAH rates Dec. 14, 2023.2024 Norfolk Naval Shipyard Portsmouth, VA BAH Rates have increased by 8.7 percent from 2023. For 2024, soldiers with dependents receive 22.4% more BAH than soldiers without dependents. Norfolk Naval Shipyard Portsmouth, VA’s BAH is ranked 41 st highest out of all navy bases.**.VA Home Loan Guide; 2024 BAH Rates; 2024 BAH Calculator; 2024 BAS Rates; Monthly Housing Allowance Calculator; Best VA Lenders. VA Loan Calculator. VA Loan Limits by County. VA Home Loan Guide. 2024 BAH Rates. 2024 BAH Calculator. 2024 BAS Rates. Monthly Housing Allowance Calculator. Money & Finance. Money & Finance. Military Pay Calculator;Basic Allowance for Housing (BAH) rates in Indiana received an increase for 2024. The national average increased by 5.9%, while Indiana duty stations were given different rate increases per below. Below are the local BAH rates charts for Military Housing Areas in Indiana. The Department of Defense determines BAH rates by location, pay grade ...Military Pay 101: Basic Pay, Allowances and S&I Pay. As an active-duty service member, you receive many benefits and entitlements like free access to Military OneSource services and support. One of the primary benefits of working in the military is a steady paycheck and tax-free allowances.Basic Allowance for Housing (BAH) ... These differing locality rates allow for granular calculation of average cost of renting in your area. Basic Allowance for Housing Calculator Florida Housing Allowance for 2022. Florida Keys: O-1E with dependents receives $2,970.00/mo. Housing Allowance.Following table displays BAH rates for WASHINGTON, DC METRO AREA (DC053) military housing area for the year 2023 Rank With Dependents Without Dependents; E1 : $2,655: $2,124: E2 : $2,655: $2,124 ... VIRGINIA MILITARY HOUSING AREAS (MHA) CHARLOTTESVILLE, VA DAHLGREN / FORT AP HILL, VA HAMPTON / NEWPORT … Bah rates va, BAH - Monthly Housing Allowance amounts are prorated based on a student's benefit level and may be further reduced based on the rate of pursuit. Benefits ..., Feb 18, 2022 · Additional BAH Notes. Basic Allowance for Housing (BAH) rates for 2021 increased by 2.9% on average. 2.9% represents an average for all areas. Actual rates vary by location based on the respective data points collected by the Department of Defense (DoD). The new BAH rates go into effect on Jan. 1., 2021 and service members will see their first ... , Fort Hood, TX - 2024 BAH Rates. 2024 Fort Hood, TX BAH Rates have increased by 7.6 percent from 2023. For 2024, soldiers with dependents receive 13.2% more BAH than soldiers without dependents. Fort Hood, TX's BAH is ranked 58 th highest out of all army bases.** 2024 Enlisted Rates. With Dependents Without Dependents; E1: $1398.00:, 2023: ROANOKE, VA Basic Housing Allowance. Following table displays BAH rates for ROANOKE, VA (VA362) military housing area for the year 2023, On Dec. 14, 2022, the U.S. Department of Defense released Basic Allowance for Housing (BAH) rates for 2023. The latest BAH rates increased an average of 12.1% starting on Jan. 1, 2023, marking the largest percent increase in over a decade. BAH is intended to cover 95% of housing expenses, with service members paying the remaining …, GI Bill benefits help you pay for college, graduate school, and training programs. Since 1944, the GI Bill has helped qualifying Veterans and their family members get money to cover all or some of the costs for school or training. Learn more about GI Bill benefits on this page—and how to apply for them.If you applied for and were awarded Post-9/11 GI Bill education benefits, your GI Bill ..., Apply for and manage the VA benefits and services you've earned as a Veteran, Servicemember, or family member—like health care, disability, education, and more. ... (BAH) rate for subsistence. Current FY24 Standard Chapter 31 Subsistence Allowance Rates effective 10/1/2023. How to Calculate Post-9/11 Ch31 Subsistence Allowance Rates (Rate ..., Originally, BAH law stated the allowance could cover no more than 80% of local housing costs. As such, BAH rates were calculated such that the average service member was expected to pay at least 20% of housing expense out of pocket (e.g., from Basic Pay)., 2024 Basic Allowance for Housing (BAH) Rates Updated: December 19, 2023 2024 BAH Calculator Updated: March 5, 2024 2024 Military Pay Charts Updated: January 2, 2024 2024 BAH Rates By State and Local MHA Updated: December 21, 2023 2024 Basic Allowance for Subsistence (BAS) Rates Updated: August 2, 2023 2024 Military Pay Dates and LES Release Dates, NSF Dahlgren, VA Housing and Relocation Information. Basic Allowance For Housing (BAH) gives active service members two options for housing; living on post or finding a home off-post within the community. Once you have orders to move, contact the Housing Service Center (540) 653-8505/8506 . They can answer all of your housing questions …, Monthly Housing Allowance Rates. Type of School. 2023-24 MHA Rate. Foreign School. $1,934.80. Schools in US Territories. E-5 with dependents Overseas Housing Allowance rate for school location ..., Following table displays BAH rates for WASHINGTON, DC METRO AREA (DC053) military housing area for the year 2023 Rank With Dependents Without Dependents; E1 : $2,655: $2,124: E2 : $2,655: $2,124: E3 : $2,655 ... CHARLOTTESVILLE, VA DAHLGREN / FORT AP HILL, VA HAMPTON / NEWPORT NEWS, VA LEXINGTON, VA NORFOLK / PORTSMOUTH, VA QUANTICO ..., GI Bill Resident Rate Requirements. Section 3679(c) of title 38, United States Code requires VA to disapprove programs of education for payment of benefits under the Post-9/11 GI Bill and Montgomery GI Bill-Active Duty at public Institutions of Higher Learning (IHLs) if the school charges qualifying Veterans and dependents tuition and fees in excess of the rate for resident students for terms ..., We base your MHA on the monthly military Basic Allowance for Housing (BAH) rates for an E-5 with dependents. This is called the resident MHA. We use the 2022 rates to calculate the MHA you get between August 1, 2022, and July 31, 2023. ... You can ask us a question online through Ask VA., EASTERN PANHANDLE, WV BAH Rates. Basic Allowance for Housing (BAH) rates in West Virginia increased for 2024. The national average increased by 5.9%, while West Virginia duty stations received a similar increase. Below are the local BAH rates charts for Military Housing Areas in West Virginia., 2023: CHARLOTTESVILLE, VA Basic Housing Allowance. Following table displays BAH rates for CHARLOTTESVILLE, VA (VA295) military housing area for the year 2023, 2024 Fort Story, VA BAH Rates have increased by 8.7 percent from 2023. For 2024, soldiers with dependents receive 22.4% more BAH than soldiers without dependents. Fort Story, VA’s BAH is ranked 25 th highest out of all army bases.** , The Department of Defense has released the 2022 Basic Allowance for Housing (BAH) rates. BAH rates will increase an average of 5.1 percent when the new rates take effect on January 1, 2022. An ..., Find out what percentage of the full benefit you're eligible for based on the total amount of time you served on active duty (with or without breaks in service): 910 to 1,094 days (30 to 35 months): 90% of the full benefit. 730 to 909 days (24 to 29 months): 80% of the full benefit. 545 to 729 days (18 to 23 months): 70% of the full benefit., That's not the way post 9/11 GI Bill payments work. BAH rates are based on the location of the campus you take an accredited course from. If you took 25% of a full course load in CA then you'd get 25% of a months BAH from the university zipcode in CA. 1 class will not get you 100% BAH rate., Basic Allowance for Housing rates will increase an average of 12.1 percent when the new rates take effect on January 1, 2023. An estimated $26.8 billion will be paid to approximately one million ..., 2024 Fort Story, VA BAH Rates have increased by 8.7 percent from 2023. For 2024, soldiers with dependents receive 22.4% more BAH than soldiers without dependents. Fort Story, VA’s BAH is ranked 25 th highest out of all army bases.** , The Veteran or service member served on active duty for at least 30 continuous days (without a break), and their military force discharged them because of a service-connected disability ... (BAH) rates for an E-5 with dependents. This is called the resident MHA. We use the 2023 rates to calculate the MHA you get between August 1, 2023, and July ..., LOUIS, MO BAH Rates. Basic Allowance for Housing (BAH) rates in Missouri increased notably in 2024, alongside the national average increase of 5.9%. Below are the local BAH rates charts for Military Housing Areas in Missouri. The Department of Defense determines BAH rates by location, pay grade (rank) and if a soldier has dependents., Get the current rates for Veteran Employment Through Technology Education Courses (VET TEC) for August 1, 2023, to July 31, 2024. ... (BAH) rates for an E-5 with dependents. This is called the resident MHA. We use the 2023 rates to calculate the MHA you get between October 1, 2023, and September 30, 2024. ..., 2024 JB Langley-Eustis, VA BAH Rates have increased by 5.1 percent from 2023. For 2024, soldiers with dependents receive 21.0% more BAH than soldiers without dependents. JB Langley-Eustis, VA's BAH is ranked 12 th highest out of all joint base bases.**., If you’re eligible for accelerated charges, we’ll pay for any tuition costs and fees over $392 each month. We may reduce 1 day of your entitlement for every monthly payment of $49.60. This is 1/30 of the full-time rate. Note: Only children using Chapter 35 benefits can get special restorative training., Jul 26, 2022 ... Enlisted Rates For 2022 ; E-6, $2,928, $2,319 ; E-7, $2,955, $2,358 ; E-8, $2,982, $2,499 ; E-9, $3,120, $2,661 ..., 2024 Fort Story, VA BAH Rates have increased by 8.7 percent from 2023. For 2024, soldiers with dependents receive 22.4% more BAH than soldiers without dependents. Fort Story, VA’s BAH is ranked 25 th highest out of all army bases.** , Post 9/11 GI Bill MHA rates are adjusted 1 August of each year and are based on the 1 January DoD BAH rates for that year - so VA can't use 1 January 2023 BAH rates until 1 August 2023 - for those who started training on/after 1 January 2018, the MHA rates are 95% of the DoD BAH rates. First possible payment for the 1 August 2023 increase is 1 ..., Check the current rates for the Montgomery GI Bill Selected Reserve. Montgomery GI Bill $600 Buy-Up program rates. Find out how much you can increase your Montgomery GI Bill monthly payments when you take part in this program. Check the current rates for the Montgomery GI Bill $600 Buy-Up program. Chapter 35 rates for survivors and dependents, We base your MHA on the monthly military Basic Allowance for Housing (BAH) rates for an E-5 with dependents. This is called the resident MHA. We use the 2023 rates to calculate the MHA you get between August 1, 2023, and July 31, 2024. ... You can ask us a question online through Ask VA., Understanding Your 2024 BAH Rates. Basic Allowance for Housing (BAH) rates are a form of compensation provided to U.S. military personnel who are either stationed within the United States and not residing in government-provided housing or while waiting for on-base housing. BAH is meant to help service members cover the cost of renting or owning ...