BAH 2026Military housing area MI156
Saginaw, MI BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Saginaw, MI military housing area, with and without dependents, and the 35 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $1,503a monthtied for 286th highest of 338
- E‑5 without dependents
- $1,128a month
- O‑3 with dependents
- $1,842a month326th highest of 338
- ZIP codes
- 35in this DoD area
Saginaw, MI pays $1,503 a month for an E‑5 with dependents: the tied for 286th 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 MI156. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,329 | $1,080 |
| E‑2 | $1,329 | $1,080 |
| E‑3 | $1,329 | $1,080 |
| E‑4 | $1,329 | $1,080 |
| E‑5 | $1,503 | $1,128 |
| E‑6 | $1,749 | $1,311 |
| E‑7 | $1,782 | $1,338 |
| E‑8 | $1,818 | $1,560 |
| E‑9 | $1,869 | $1,623 |
| Warrant officers | ||
| W‑1 | $1,767 | $1,326 |
| W‑2 | $1,797 | $1,557 |
| W‑3 | $1,845 | $1,635 |
| W‑4 | $1,878 | $1,749 |
| W‑5 | $1,929 | $1,788 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $1,785 | $1,500 |
| O‑2E | $1,833 | $1,608 |
| O‑3E | $1,887 | $1,740 |
| Officers | ||
| O‑1 | $1,542 | $1,158 |
| O‑2 | $1,746 | $1,449 |
| O‑3 | $1,842 | $1,656 |
| O‑4 | $1,938 | $1,773 |
| O‑5 | $2,007 | $1,791 |
| O‑6 | $2,022 | $1,821 |
| O‑7 | $2,031 | $1,848 |
| O‑8† | $2,031 | $1,848 |
| O‑9† | $2,031 | $1,848 |
| O‑10† | $2,031 | $1,848 |
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 35 ZIP codes in Saginaw, MI (MI156). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 48415, one ZIP in this area.
Show all 35 ZIP codesAll 35 ZIP codes
- 484xx
- 48415 48417
- 486xx
- 48601 48602 48603 48604 48605 48606 48607 48608 48609 48611 48613 48614 48616 48623 48626 48631 48634 48637 48638 48649 48650 48655 48663
- 487xx
- 48706 48707 48708 48710 48722 48724 48732 48734 48747 48787
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.