BAH 2026Military housing area WA312
Whidbey Island, WA BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Whidbey Island, WA military housing area, with and without dependents, and the 23 ZIP codes it covers.
On this page5 sections
- E‑5 with dependents
- $2,073a month165th highest of 338
- E‑5 without dependents
- $1,905a month
- O‑3 with dependents
- $3,105a month88th highest of 338
- ZIP codes
- 23in this DoD area
Whidbey Island, WA pays $2,073 a month for an E‑5 with dependents: the 165th 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 WA312. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,013 | $1,839 |
| E‑2 | $2,013 | $1,839 |
| E‑3 | $2,013 | $1,839 |
| E‑4 | $2,013 | $1,839 |
| E‑5 | $2,073 | $1,905 |
| E‑6 | $2,745 | $2,058 |
| E‑7 | $2,877 | $2,157 |
| E‑8 | $3,018 | $2,265 |
| E‑9 | $3,159 | $2,412 |
| Warrant officers | ||
| W‑1 | $2,766 | $2,076 |
| W‑2 | $2,934 | $2,208 |
| W‑3 | $3,111 | $2,436 |
| W‑4 | $3,174 | $2,772 |
| W‑5 | $3,258 | $2,910 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,901 | $2,175 |
| O‑2E | $3,084 | $2,367 |
| O‑3E | $3,189 | $2,739 |
| Officers | ||
| O‑1 | $2,157 | $1,950 |
| O‑2 | $2,736 | $2,160 |
| O‑3 | $3,105 | $2,499 |
| O‑4 | $3,279 | $2,880 |
| O‑5 | $3,402 | $2,958 |
| O‑6 | $3,429 | $3,090 |
| O‑7 | $3,453 | $3,144 |
| O‑8† | $3,453 | $3,144 |
| O‑9† | $3,453 | $3,144 |
| O‑10† | $3,453 | $3,144 |
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 23 ZIP codes in Whidbey Island, WA (WA312). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 98278, the ZIP of Naval Air Station Whidbey Island.
Show all 23 ZIP codesAll 23 ZIP codes
- 982xx
- 98221 98222 98232 98233 98235 98236 98237 98238 98239 98249 98253 98255 98257 98260 98263 98267 98273 98274 98277 98278 98282 98283 98284
Installations whose address is in this area
Military OneSource lists these installations at a ZIP code in WA312; the ZIP shown is the one in each installation’s main contact address.
Other areas in Washington
Areas whose DoD code starts with WA, 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.