BAH 2026Military housing area IA082
Des Moines, IA BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Des Moines, IA military housing area, with and without dependents, and the 76 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $1,770a month231st highest of 338
- E‑5 without dependents
- $1,359a month
- O‑3 with dependents
- $2,433a monthtied for 194th highest of 338
- ZIP codes
- 76in this DoD area
Des Moines, IA pays $1,770 a month for an E‑5 with dependents: the 231st 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 IA082. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,593 | $1,284 |
| E‑2 | $1,593 | $1,284 |
| E‑3 | $1,593 | $1,284 |
| E‑4 | $1,593 | $1,284 |
| E‑5 | $1,770 | $1,359 |
| E‑6 | $2,208 | $1,656 |
| E‑7 | $2,292 | $1,719 |
| E‑8 | $2,379 | $1,863 |
| E‑9 | $2,511 | $1,989 |
| Warrant officers | ||
| W‑1 | $2,229 | $1,674 |
| W‑2 | $2,328 | $1,860 |
| W‑3 | $2,436 | $2,007 |
| W‑4 | $2,538 | $2,223 |
| W‑5 | $2,667 | $2,310 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,304 | $1,767 |
| O‑2E | $2,418 | $1,962 |
| O‑3E | $2,559 | $2,202 |
| Officers | ||
| O‑1 | $1,830 | $1,413 |
| O‑2 | $2,205 | $1,722 |
| O‑3 | $2,433 | $2,049 |
| O‑4 | $2,706 | $2,289 |
| O‑5 | $2,904 | $2,334 |
| O‑6 | $2,925 | $2,415 |
| O‑7 | $2,943 | $2,454 |
| O‑8† | $2,943 | $2,454 |
| O‑9† | $2,943 | $2,454 |
| O‑10† | $2,943 | $2,454 |
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 76 ZIP codes in Des Moines, IA (IA082). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 50007, one ZIP in this area, or at a ZIP the check below finds in this area.
Show all 76 ZIP codesAll 76 ZIP codes
- 500xx
- 50007 50009 50021 50023 50032 50035 50073
- 501xx
- 50111 50131 50169
- 502xx
- 50226 50237 50243 50265 50266
- 503xx
- 50301 50302 50303 50304 50305 50306 50307 50308 50309 50310 50311 50312 50313 50314 50315 50316 50317 50318 50319 50320 50321 50322 50323 50324 50325 50327 50328 50329 50330 50331 50332 50333 50334 50335 50336 50339 50340 50359 50360 50361 50362 50363 50364 50367 50368 50369 50380 50381 50391 50392 50393 50394 50395 50396 50398
- 509xx
- 50936 50947 50980 50981 50982 50983
Other areas in Iowa
Areas whose DoD code starts with IA, 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.