BAH 2026Military housing area AZ013
Phoenix, AZ BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Phoenix, AZ military housing area, with and without dependents, and the 222 ZIP codes it covers.
On this page5 sections
- E‑5 with dependents
- $2,289a month124th highest of 338
- E‑5 without dependents
- $1,740a month
- O‑3 with dependents
- $2,490a month180th highest of 338
- ZIP codes
- 222in this DoD area
Phoenix, AZ pays $2,289 a month for an E‑5 with dependents: the 124th highest of 338 areas. The lowest is Anniston/Fort McClellan, AL at $1,185, the highest San Francisco, CA at $5,127. The three ticks split the 338 areas into four equal groups, at $1,626, $2,064, $2,580.
Monthly BAH by grade, 2026
The 2026 rates for each grade, in whole dollars a month, exactly as DoD’s file lists them for AZ013. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,061 | $1,587 |
| E‑2 | $2,061 | $1,587 |
| E‑3 | $2,061 | $1,587 |
| E‑4 | $2,061 | $1,587 |
| E‑5 | $2,289 | $1,740 |
| E‑6 | $2,457 | $1,857 |
| E‑7 | $2,475 | $2,070 |
| E‑8 | $2,484 | $2,331 |
| E‑9 | $2,517 | $2,367 |
| Warrant officers | ||
| W‑1 | $2,472 | $1,992 |
| W‑2 | $2,481 | $2,328 |
| W‑3 | $2,493 | $2,376 |
| W‑4 | $2,535 | $2,448 |
| W‑5 | $2,622 | $2,460 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,478 | $2,286 |
| O‑2E | $2,487 | $2,358 |
| O‑3E | $2,547 | $2,445 |
| Officers | ||
| O‑1 | $2,319 | $1,830 |
| O‑2 | $2,454 | $2,217 |
| O‑3 | $2,490 | $2,391 |
| O‑4 | $2,646 | $2,451 |
| O‑5 | $2,775 | $2,463 |
| O‑6 | $2,796 | $2,466 |
| O‑7 | $2,814 | $2,487 |
| O‑8† | $2,814 | $2,487 |
| O‑9† | $2,814 | $2,487 |
| O‑10† | $2,814 | $2,487 |
E‑5, the grade in the summary above, is highlighted. † DoD’s file has three columns after O‑7, equal to O‑7 in every area; DoD labels its columns only through O‑7, so they are read here as O‑8 to O‑10.
ZIP codes in this area
DoD’s 2026 file puts these 222 ZIP codes in Phoenix, AZ (AZ013). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 85309, the ZIP of Luke AFB, or at a ZIP the check below finds in this area.
Show all 222 ZIP codesAll 222 ZIP codes
- 850xx
- 85001 85002 85003 85004 85005 85006 85007 85008 85009 85010 85011 85012 85013 85014 85015 85016 85017 85018 85019 85020 85021 85022 85023 85024 85026 85027 85028 85029 85030 85031 85032 85033 85034 85035 85036 85037 85038 85040 85041 85042 85043 85044 85045 85046 85048 85050 85051 85053 85054 85060 85061 85062 85063 85064 85066 85067 85068 85069 85070 85071 85072 85074 85076 85078 85079 85080 85082 85083 85085 85086 85087
- 851xx
- 85117 85118 85119 85120 85121 85122 85123 85127 85128 85130 85131 85132 85135 85137 85138 85139 85140 85141 85142 85143 85144 85145 85147 85172 85173 85178 85190 85191 85192 85193 85194
- 852xx
- 85201 85202 85203 85204 85205 85206 85207 85208 85209 85210 85211 85212 85213 85214 85215 85216 85224 85225 85226 85233 85234 85236 85244 85246 85248 85249 85250 85251 85252 85253 85254 85255 85256 85257 85258 85259 85260 85261 85262 85263 85264 85266 85267 85268 85269 85271 85274 85275 85277 85280 85281 85282 85283 85284 85285 85286 85287 85288 85295 85296 85297 85298 85299
- 853xx
- 85301 85302 85303 85304 85305 85306 85307 85308 85309 85310 85311 85312 85318 85320 85322 85323 85326 85327 85329 85331 85335 85337 85338 85339 85340 85342 85343 85345 85351 85353 85354 85355 85358 85361 85363 85372 85373 85374 85375 85376 85377 85378 85379 85380 85381 85382 85383 85385 85387 85388 85390 85392 85395 85396
- 856xx
- 85618 85623 85631
Installations whose address is in this area
Military OneSource lists these installations at a ZIP code in AZ013; the ZIP shown is the one in each installation’s main contact address.
Other areas in Arizona
Areas whose DoD code starts with AZ, with the E‑5 with-dependents rate for 2026.
How these rates work
- BAH depends on the area, the pay grade and whether the member has dependents; every rate here is a whole-dollar cell of DoD’s 2026 file (BAH-ASCII-2026.zip), not an estimate.
- Rate protection (37 U.S.C. 403(b)(6)): So long as a member retains uninterrupted eligibility for BAH within an area of the United States, the monthly allowance may not be reduced as a result of changes in housing costs in the area or the member’s promotion. This page can’t know a protected rate; the Leave and Earnings Statement shows it.
- ZIP codes outside DoD’s file, and the 214 ZIP codes DoD’s file assigns to XX499 (“UNKNOWN”), have no area page.
Sources
Checked against DoD’s file on October 13, 2026. The data page lists every file’s checksum: BAH data.