BAH 2026Military housing area IN097
Fort Wayne, IN BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Fort Wayne, IN military housing area, with and without dependents, and the 55 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $1,947a month188th highest of 338
- E‑5 without dependents
- $1,503a month
- O‑3 with dependents
- $2,205a monthtied for 240th highest of 338
- ZIP codes
- 55in this DoD area
Fort Wayne, IN pays $1,947 a month for an E‑5 with dependents: the 188th 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 IN097. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,782 | $1,338 |
| E‑2 | $1,782 | $1,338 |
| E‑3 | $1,782 | $1,338 |
| E‑4 | $1,782 | $1,338 |
| E‑5 | $1,947 | $1,503 |
| E‑6 | $2,130 | $1,626 |
| E‑7 | $2,154 | $1,785 |
| E‑8 | $2,184 | $1,989 |
| E‑9 | $2,289 | $2,034 |
| Warrant officers | ||
| W‑1 | $2,145 | $1,734 |
| W‑2 | $2,166 | $1,986 |
| W‑3 | $2,208 | $2,043 |
| W‑4 | $2,319 | $2,127 |
| W‑5 | $2,463 | $2,160 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,157 | $1,944 |
| O‑2E | $2,199 | $2,022 |
| O‑3E | $2,343 | $2,118 |
| Officers | ||
| O‑1 | $1,977 | $1,611 |
| O‑2 | $2,127 | $1,896 |
| O‑3 | $2,205 | $2,058 |
| O‑4 | $2,505 | $2,145 |
| O‑5 | $2,727 | $2,163 |
| O‑6 | $2,745 | $2,184 |
| O‑7 | $2,763 | $2,220 |
| O‑8† | $2,763 | $2,220 |
| O‑9† | $2,763 | $2,220 |
| O‑10† | $2,763 | $2,220 |
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 55 ZIP codes in Fort Wayne, IN (IN097). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 46704, one ZIP in this area.
Show all 55 ZIP codesAll 55 ZIP codes
- 467xx
- 46704 46741 46743 46745 46748 46765 46773 46774 46788 46797 46798 46799
- 468xx
- 46801 46802 46803 46804 46805 46806 46807 46808 46809 46814 46815 46816 46818 46819 46825 46835 46845 46850 46851 46852 46853 46854 46855 46856 46857 46858 46859 46860 46861 46862 46863 46864 46865 46866 46867 46868 46869 46885 46895 46896 46897 46898 46899
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.