BAH 2026Military housing area TX415
Waco, TX BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Waco, TX military housing area, with and without dependents, and the 33 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $1,755a month233rd highest of 338
- E‑5 without dependents
- $1,440a month
- O‑3 with dependents
- $2,379a month207th highest of 338
- ZIP codes
- 33in this DoD area
Waco, TX pays $1,755 a month for an E‑5 with dependents: the 233rd 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 TX415. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,617 | $1,404 |
| E‑2 | $1,617 | $1,404 |
| E‑3 | $1,617 | $1,404 |
| E‑4 | $1,617 | $1,404 |
| E‑5 | $1,755 | $1,440 |
| E‑6 | $2,097 | $1,572 |
| E‑7 | $2,199 | $1,650 |
| E‑8 | $2,310 | $1,830 |
| E‑9 | $2,496 | $1,926 |
| Warrant officers | ||
| W‑1 | $2,118 | $1,590 |
| W‑2 | $2,244 | $1,827 |
| W‑3 | $2,382 | $1,938 |
| W‑4 | $2,538 | $2,118 |
| W‑5 | $2,730 | $2,223 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,217 | $1,752 |
| O‑2E | $2,361 | $1,902 |
| O‑3E | $2,568 | $2,091 |
| Officers | ||
| O‑1 | $1,803 | $1,473 |
| O‑2 | $2,094 | $1,713 |
| O‑3 | $2,379 | $1,971 |
| O‑4 | $2,793 | $2,199 |
| O‑5 | $3,093 | $2,319 |
| O‑6 | $3,117 | $2,361 |
| O‑7 | $3,138 | $2,400 |
| O‑8† | $3,138 | $2,400 |
| O‑9† | $3,138 | $2,400 |
| O‑10† | $3,138 | $2,400 |
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 33 ZIP codes in Waco, TX (TX415). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 76524, one ZIP in this area.
Show all 33 ZIP codesAll 33 ZIP codes
- 765xx
- 76524 76557
- 766xx
- 76624 76630 76633 76638 76640 76643 76654 76655 76657 76664 76682 76684 76689 76691
- 767xx
- 76701 76702 76703 76704 76705 76706 76707 76708 76710 76711 76712 76714 76715 76716 76797 76798 76799
Other areas in Texas
Areas whose DoD code starts with TX, with the E‑5 with-dependents rate for 2026.
- Abilene/Dyess AFB, TX$1,872
- Austin, TX$2,241
- Beaumont, TX$1,518
- Brownsville, TX$1,503
- College Station, TX$1,758
- Corpus Christi, TX$1,788
- Dallas, TX$2,469
- El Paso, TX$1,809
- Fort Hood, TX$1,695
- Fort Worth, TX$2,118
- Goodfellow AFB, TX$1,578
- Houston, TX$2,193
- Laughlin AFB/Del Rio, TX$1,470
- Lubbock, TX$1,476
- San Antonio, TX$1,869
- Waco, TX$1,755
- Wichita Fls/Sheppard AFB, TX$1,491
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.