The E-5 rate here is $363 below the typical US housing area ($2,118), and ranks 79 of 299 from lowest to highest. Housing area code TX415, covering 33 ZIP codes.
Enlisted
Warrant officers
Officers
Officers with prior enlisted service
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, $1,755 in BAH and $476.95 in BAS, for $6,341.95 a month. The BAH and BAS part, $2,231.95, is not taxed. Work out your own total or your take-home pay.
ZIP codes in this housing area
Includes 76524, 76557, 76624, 76630, 76633, 76638, 76640, 76643, 76654, 76655, 76657, 76664 and 21 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 Waco? $1,755 a month with dependents and $1,440 without, in 2026. That is $21,060 a year, tax-free.
How much is BAH for an E-4 at Waco? $1,617 a month with dependents and $1,404 without.
How much is BAH for an O-3 at Waco? $2,379 a month with dependents and $1,971 without.
What is the GI Bill housing allowance near Waco? 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: $1,755 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.
