BAH 2026Military housing area IN094
Indianapolis, IN BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Indianapolis, IN military housing area, with and without dependents, and the 116 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $1,875a monthtied for 204th highest of 338
- E‑5 without dependents
- $1,533a month
- O‑3 with dependents
- $2,307a month222nd highest of 338
- ZIP codes
- 116in this DoD area
Indianapolis, IN pays $1,875 a month for an E‑5 with dependents: the tied for 204th 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 IN094. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,749 | $1,395 |
| E‑2 | $1,749 | $1,395 |
| E‑3 | $1,749 | $1,395 |
| E‑4 | $1,749 | $1,395 |
| E‑5 | $1,875 | $1,533 |
| E‑6 | $2,208 | $1,656 |
| E‑7 | $2,244 | $1,749 |
| E‑8 | $2,283 | $1,947 |
| E‑9 | $2,346 | $2,040 |
| Warrant officers | ||
| W‑1 | $2,229 | $1,716 |
| W‑2 | $2,259 | $1,944 |
| W‑3 | $2,310 | $2,055 |
| W‑4 | $2,361 | $2,211 |
| W‑5 | $2,433 | $2,250 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,247 | $1,872 |
| O‑2E | $2,298 | $2,019 |
| O‑3E | $2,373 | $2,202 |
| Officers | ||
| O‑1 | $1,923 | $1,617 |
| O‑2 | $2,205 | $1,836 |
| O‑3 | $2,307 | $2,085 |
| O‑4 | $2,451 | $2,238 |
| O‑5 | $2,559 | $2,253 |
| O‑6 | $2,577 | $2,286 |
| O‑7 | $2,592 | $2,322 |
| O‑8† | $2,592 | $2,322 |
| O‑9† | $2,592 | $2,322 |
| O‑10† | $2,592 | $2,322 |
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 116 ZIP codes in Indianapolis, IN (IN094). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 46030, one ZIP in this area, or at a ZIP the check below finds in this area.
Show all 116 ZIP codesAll 116 ZIP codes
- 460xx
- 46030 46031 46032 46033 46034 46037 46038 46040 46055 46060 46061 46062 46069 46074 46082 46085
- 461xx
- 46103 46106 46107 46110 46111 46112 46113 46117 46118 46122 46123 46124 46125 46126 46129 46130 46131 46140 46142 46143 46144 46149 46151 46154 46157 46158 46160 46161 46162 46163 46164 46165 46166 46167 46168 46176 46180 46181 46182 46183 46184 46186
- 462xx
- 46201 46202 46203 46204 46205 46206 46207 46208 46209 46213 46214 46216 46217 46218 46219 46220 46221 46222 46224 46225 46226 46227 46228 46229 46230 46231 46234 46235 46236 46237 46239 46240 46241 46242 46244 46245 46247 46249 46250 46251 46253 46254 46255 46256 46259 46260 46262 46268 46277 46278 46280 46282 46283 46285 46288 46290 46298
- 472xx
- 47234
Other areas in Indiana
Areas whose DoD code starts with IN, 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.