BAH 2026Military housing area MI146
Traverse City, MI BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Traverse City, MI military housing area, with and without dependents, and the 45 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $2,070a monthtied for 166th highest of 338
- E‑5 without dependents
- $1,896a month
- O‑3 with dependents
- $3,069a month95th highest of 338
- ZIP codes
- 45in this DoD area
Traverse City, MI pays $2,070 a month for an E‑5 with dependents: the tied for 166th 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 MI146. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,037 | $1,716 |
| E‑2 | $2,037 | $1,716 |
| E‑3 | $2,037 | $1,716 |
| E‑4 | $2,037 | $1,716 |
| E‑5 | $2,070 | $1,896 |
| E‑6 | $2,802 | $2,103 |
| E‑7 | $2,901 | $2,175 |
| E‑8 | $3,003 | $2,253 |
| E‑9 | $3,123 | $2,439 |
| Warrant officers | ||
| W‑1 | $2,823 | $2,118 |
| W‑2 | $2,943 | $2,214 |
| W‑3 | $3,072 | $2,463 |
| W‑4 | $3,141 | $2,820 |
| W‑5 | $3,231 | $2,922 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,916 | $2,187 |
| O‑2E | $3,051 | $2,388 |
| O‑3E | $3,156 | $2,796 |
| Officers | ||
| O‑1 | $2,160 | $1,998 |
| O‑2 | $2,793 | $2,178 |
| O‑3 | $3,069 | $2,535 |
| O‑4 | $3,255 | $2,898 |
| O‑5 | $3,390 | $2,955 |
| O‑6 | $3,417 | $3,051 |
| O‑7 | $3,441 | $3,102 |
| O‑8† | $3,441 | $3,102 |
| O‑9† | $3,441 | $3,102 |
| O‑10† | $3,441 | $3,102 |
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 45 ZIP codes in Traverse City, MI (MI146). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 49411, one ZIP in this area.
Show all 45 ZIP codesAll 45 ZIP codes
- 494xx
- 49411 49431
- 496xx
- 49601 49610 49613 49614 49616 49617 49618 49619 49620 49621 49625 49626 49628 49630 49634 49635 49636 49637 49638 49640 49643 49645 49649 49650 49653 49654 49660 49663 49664 49666 49668 49670 49673 49674 49675 49682 49683 49684 49685 49686 49689 49690 49696
Other areas in Michigan
Areas whose DoD code starts with MI, 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.