BAH 2026Military housing area ND189
Fargo, ND BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Fargo, ND military housing area, with and without dependents, and the 48 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $1,707a monthtied for 239th highest of 338
- E‑5 without dependents
- $1,281a month
- O‑3 with dependents
- $2,511a month176th highest of 338
- ZIP codes
- 48in this DoD area
Fargo, ND pays $1,707 a month for an E‑5 with dependents: the tied for 239th 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 ND189. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,521 | $1,206 |
| E‑2 | $1,521 | $1,206 |
| E‑3 | $1,521 | $1,206 |
| E‑4 | $1,521 | $1,206 |
| E‑5 | $1,707 | $1,281 |
| E‑6 | $2,337 | $1,752 |
| E‑7 | $2,400 | $1,800 |
| E‑8 | $2,466 | $1,851 |
| E‑9 | $2,574 | $2,022 |
| Warrant officers | ||
| W‑1 | $2,358 | $1,770 |
| W‑2 | $2,427 | $1,833 |
| W‑3 | $2,514 | $2,046 |
| W‑4 | $2,598 | $2,346 |
| W‑5 | $2,706 | $2,415 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,409 | $1,806 |
| O‑2E | $2,499 | $1,980 |
| O‑3E | $2,613 | $2,331 |
| Officers | ||
| O‑1 | $1,785 | $1,338 |
| O‑2 | $2,328 | $1,803 |
| O‑3 | $2,511 | $2,106 |
| O‑4 | $2,739 | $2,397 |
| O‑5 | $2,904 | $2,430 |
| O‑6 | $2,925 | $2,490 |
| O‑7 | $2,946 | $2,532 |
| O‑8† | $2,946 | $2,532 |
| O‑9† | $2,946 | $2,532 |
| O‑10† | $2,946 | $2,532 |
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 48 ZIP codes in Fargo, ND (ND189). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 56514, one ZIP in this area.
Show all 48 ZIP codesAll 48 ZIP codes
- 565xx
- 56514 56525 56529 56536 56546 56547 56549 56552 56560 56561 56562 56563 56580 56585
- 580xx
- 58002 58004 58005 58006 58007 58011 58012 58021 58029 58036 58038 58042 58047 58048 58051 58052 58059 58064 58071 58078 58079
- 581xx
- 58102 58103 58104 58105 58106 58107 58108 58109 58121 58122 58124 58125 58126
Other areas in North Dakota
Areas whose DoD code starts with ND, 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.