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Madison, WI BAH rates 2026

An E-5 with dependents receives $2,655 a month, $1,995 without. Rates for every grade below, tax-free and paid monthly.

$2,655E-5 with dependents
$1,995E-5 without dependents
$2,394E-1 to E-4 with dependents (lowest rate)
$3,426O-3 with dependents

The E-5 rate here is $537 above the typical US housing area ($2,118), and ranks 224 of 299 from lowest to highest. Housing area code WI316, covering 54 ZIP codes.

Enlisted

GradeWith dependentsWithoutDifference
E-1$2,394$1,797+$597
E-2$2,394$1,797+$597
E-3$2,394$1,797+$597
E-4$2,394$1,797+$597
E-5$2,655$1,995+$660
E-6$2,889$2,166+$723
E-7$3,084$2,406+$678
E-8$3,297$2,706+$591
E-9$3,525$2,769+$756

Warrant officers

GradeWith dependentsWithoutDifference
W-1$2,910$2,313+$597
W-2$3,171$2,703+$468
W-3$3,435$2,778+$657
W-4$3,558$2,931+$627
W-5$3,711$3,132+$579

Officers

GradeWith dependentsWithoutDifference
O-1$2,691$2,133+$558
O-2$2,886$2,571+$315
O-3$3,426$2,799+$627
O-4$3,759$3,096+$663
O-5$3,993$3,216+$777
O-6$4,026$3,414+$612
O-7$4,056$3,474+$582

Officers with prior enlisted service

GradeWith dependentsWithoutDifference
O-1E$3,123$2,652+$471
O-2E$3,396$2,754+$642
O-3E$3,582$2,880+$702

O-8 and above receive the O-7 rate. Monthly amounts, effective January 1, 2026. Source: Defense Travel Management Office 2026 BAH rate files.

Total pay for an E-5 here

An E-5 with over 6 years of service and dependents stationed in this housing area receives $4,110.00 in basic pay, $2,655 in BAH and $476.95 in BAS, for $7,241.95 a month. The BAH and BAS part, $3,131.95, is not taxed. Work out your own total or your take-home pay.

ZIP codes in this housing area

Includes 53508, 53515, 53517, 53523, 53527, 53528, 53529, 53531, 53532, 53558, 53559, 53560 and 42 more. BAH is based on the ZIP code of your duty station, not where you choose to live. Look up a ZIP code.

Common questions

What is BAH for an E-5 at Madison? $2,655 a month with dependents and $1,995 without, in 2026. That is $31,860 a year, tax-free.

How much is BAH for an E-4 at Madison? $2,394 a month with dependents and $1,797 without.

How much is BAH for an O-3 at Madison? $3,426 a month with dependents and $2,799 without.

What is the GI Bill housing allowance near Madison? For a full-time student attending classes in person at a school in this housing area, the Post-9/11 GI Bill pays the E-5 with-dependents rate: $2,655 a month in 2026.

When do 2027 BAH rates come out? Usually in mid-December. They take effect January 1, and rate protection keeps your current amount if the new rate is lower.