BAH 2026Military housing area MN158
Duluth, MN BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Duluth, MN military housing area, with and without dependents, and the 74 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $2,064a monthtied for 168th highest of 338
- E‑5 without dependents
- $1,653a month
- O‑3 with dependents
- $2,370a monthtied for 208th highest of 338
- ZIP codes
- 74in this DoD area
Duluth, MN pays $2,064 a month for an E‑5 with dependents: the tied for 168th 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 MN158. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,917 | $1,455 |
| E‑2 | $1,917 | $1,455 |
| E‑3 | $1,917 | $1,455 |
| E‑4 | $1,917 | $1,455 |
| E‑5 | $2,064 | $1,653 |
| E‑6 | $2,334 | $1,782 |
| E‑7 | $2,355 | $1,923 |
| E‑8 | $2,364 | $2,124 |
| E‑9 | $2,433 | $2,196 |
| Warrant officers | ||
| W‑1 | $2,352 | $1,878 |
| W‑2 | $2,361 | $2,121 |
| W‑3 | $2,373 | $2,208 |
| W‑4 | $2,457 | $2,328 |
| W‑5 | $2,583 | $2,343 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,358 | $2,061 |
| O‑2E | $2,367 | $2,181 |
| O‑3E | $2,478 | $2,325 |
| Officers | ||
| O‑1 | $2,106 | $1,767 |
| O‑2 | $2,331 | $2,019 |
| O‑3 | $2,370 | $2,232 |
| O‑4 | $2,619 | $2,331 |
| O‑5 | $2,808 | $2,346 |
| O‑6 | $2,829 | $2,349 |
| O‑7 | $2,847 | $2,376 |
| O‑8† | $2,847 | $2,376 |
| O‑9† | $2,847 | $2,376 |
| O‑10† | $2,847 | $2,376 |
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 74 ZIP codes in Duluth, MN (MN158). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 54820, one ZIP in this area, or at a ZIP the check below finds in this area.
Show all 74 ZIP codesAll 74 ZIP codes
- 548xx
- 54820 54836 54838 54842 54849 54854 54864 54873 54874 54880 54890
- 556xx
- 55602
- 557xx
- 55702 55703 55705 55706 55707 55708 55710 55711 55713 55717 55718 55719 55720 55723 55724 55725 55726 55731 55732 55733 55734 55736 55738 55741 55746 55749 55750 55751 55757 55758 55763 55765 55766 55767 55768 55771 55772 55777 55779 55780 55781 55782 55790 55791 55792 55796 55797 55798
- 558xx
- 55801 55802 55803 55804 55805 55806 55807 55808 55810 55811 55812 55814 55815 55816
Other areas in Minnesota
Areas whose DoD code starts with MN, 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.