BAH 2026Military housing area OH232
Toledo, OH BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Toledo, OH military housing area, with and without dependents, and the 90 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $2,031a month176th highest of 338
- E‑5 without dependents
- $1,524a month
- O‑3 with dependents
- $2,199a monthtied for 246th highest of 338
- ZIP codes
- 90in this DoD area
Toledo, OH pays $2,031 a month for an E‑5 with dependents: the 176th 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 OH232. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,758 | $1,320 |
| E‑2 | $1,758 | $1,320 |
| E‑3 | $1,758 | $1,320 |
| E‑4 | $1,758 | $1,320 |
| E‑5 | $2,031 | $1,524 |
| E‑6 | $2,166 | $1,620 |
| E‑7 | $2,184 | $1,770 |
| E‑8 | $2,193 | $2,064 |
| E‑9 | $2,283 | $2,091 |
| Warrant officers | ||
| W‑1 | $2,181 | $1,671 |
| W‑2 | $2,190 | $2,061 |
| W‑3 | $2,202 | $2,100 |
| W‑4 | $2,319 | $2,157 |
| W‑5 | $2,490 | $2,169 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,187 | $2,028 |
| O‑2E | $2,196 | $2,085 |
| O‑3E | $2,346 | $2,154 |
| Officers | ||
| O‑1 | $2,058 | $1,545 |
| O‑2 | $2,163 | $1,944 |
| O‑3 | $2,199 | $2,112 |
| O‑4 | $2,544 | $2,160 |
| O‑5 | $2,811 | $2,172 |
| O‑6 | $2,832 | $2,175 |
| O‑7 | $2,850 | $2,196 |
| O‑8† | $2,850 | $2,196 |
| O‑9† | $2,850 | $2,196 |
| O‑10† | $2,850 | $2,196 |
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 90 ZIP codes in Toledo, OH (OH232). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 43402, one ZIP in this area, or at a ZIP the check below finds in this area.
Show all 90 ZIP codesAll 90 ZIP codes
- 434xx
- 43402 43403 43405 43406 43413 43414 43434 43437 43441 43443 43447 43450 43451 43457 43460 43462 43463 43465 43466 43467
- 435xx
- 43504 43511 43522 43525 43528 43529 43537 43541 43542 43547 43551 43552 43558 43560 43565 43566 43569 43571
- 436xx
- 43601 43603 43604 43605 43606 43607 43608 43609 43610 43611 43612 43613 43614 43615 43616 43617 43619 43620 43623 43635 43652 43654 43656 43657 43659 43660 43661 43666 43667 43681 43682 43697 43699
- 448xx
- 44817
- 458xx
- 45872
- 481xx
- 48110 48117 48131 48133 48140 48144 48145 48157 48159 48161 48162 48166 48177 48179 48182
- 492xx
- 49267 49270
Other areas in Ohio
Areas whose DoD code starts with OH, 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.