BAH 2026Military housing area WI316
Madison, WI BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Madison, WI military housing area, with and without dependents, and the 54 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $2,655a monthtied for 78th highest of 338
- E‑5 without dependents
- $1,995a month
- O‑3 with dependents
- $3,426a monthtied for 64th highest of 338
- ZIP codes
- 54in this DoD area
Madison, WI pays $2,655 a month for an E‑5 with dependents: the tied for 78th 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 WI316. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,394 | $1,797 |
| E‑2 | $2,394 | $1,797 |
| E‑3 | $2,394 | $1,797 |
| E‑4 | $2,394 | $1,797 |
| E‑5 | $2,655 | $1,995 |
| E‑6 | $2,889 | $2,166 |
| E‑7 | $3,084 | $2,406 |
| E‑8 | $3,297 | $2,706 |
| E‑9 | $3,525 | $2,769 |
| Warrant officers | ||
| W‑1 | $2,910 | $2,313 |
| W‑2 | $3,171 | $2,703 |
| W‑3 | $3,435 | $2,778 |
| W‑4 | $3,558 | $2,931 |
| W‑5 | $3,711 | $3,132 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $3,123 | $2,652 |
| O‑2E | $3,396 | $2,754 |
| O‑3E | $3,582 | $2,880 |
| Officers | ||
| O‑1 | $2,691 | $2,133 |
| O‑2 | $2,886 | $2,571 |
| O‑3 | $3,426 | $2,799 |
| O‑4 | $3,759 | $3,096 |
| O‑5 | $3,993 | $3,216 |
| O‑6 | $4,026 | $3,414 |
| O‑7 | $4,056 | $3,474 |
| O‑8† | $4,056 | $3,474 |
| O‑9† | $4,056 | $3,474 |
| O‑10† | $4,056 | $3,474 |
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 54 ZIP codes in Madison, WI (WI316). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 53508, one ZIP in this area.
Show all 54 ZIP codesAll 54 ZIP codes
- 535xx
- 53508 53515 53517 53523 53527 53528 53529 53531 53532 53558 53559 53560 53562 53571 53572 53575 53589 53590 53593 53596 53597 53598
- 537xx
- 53701 53702 53703 53704 53705 53706 53707 53708 53711 53713 53714 53715 53716 53717 53718 53719 53725 53726 53744 53774 53777 53782 53783 53784 53785 53786 53788 53790 53791 53792 53793 53794
Other areas in Wisconsin
Areas whose DoD code starts with WI, 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.