BAH 2026Military housing area WI318
Sparta/Fort McCoy, WI BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Sparta/Fort McCoy, WI military housing area, with and without dependents, and the 19 ZIP codes it covers.
On this page5 sections
- E‑5 with dependents
- $1,395a monthtied for 309th highest of 338
- E‑5 without dependents
- $1,290a month
- O‑3 with dependents
- $1,923a month310th highest of 338
- ZIP codes
- 19in this DoD area
Sparta/Fort McCoy, WI pays $1,395 a month for an E‑5 with dependents: the tied for 309th 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 WI318. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,380 | $1,173 |
| E‑2 | $1,380 | $1,173 |
| E‑3 | $1,380 | $1,173 |
| E‑4 | $1,380 | $1,173 |
| E‑5 | $1,395 | $1,290 |
| E‑6 | $1,845 | $1,383 |
| E‑7 | $1,875 | $1,407 |
| E‑8 | $1,905 | $1,488 |
| E‑9 | $1,971 | $1,620 |
| Warrant officers | ||
| W‑1 | $1,866 | $1,401 |
| W‑2 | $1,887 | $1,485 |
| W‑3 | $1,926 | $1,638 |
| W‑4 | $1,989 | $1,848 |
| W‑5 | $2,073 | $1,881 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $1,878 | $1,413 |
| O‑2E | $1,917 | $1,590 |
| O‑3E | $2,001 | $1,839 |
| Officers | ||
| O‑1 | $1,455 | $1,362 |
| O‑2 | $1,842 | $1,410 |
| O‑3 | $1,923 | $1,680 |
| O‑4 | $2,094 | $1,866 |
| O‑5 | $2,223 | $1,884 |
| O‑6 | $2,238 | $1,902 |
| O‑7 | $2,250 | $1,932 |
| O‑8† | $2,250 | $1,932 |
| O‑9† | $2,250 | $1,932 |
| O‑10† | $2,250 | $1,932 |
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 19 ZIP codes in Sparta/Fort McCoy, WI (WI318). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 54656, the ZIP of Fort McCoy.
Show all 19 ZIP codesAll 19 ZIP codes
- 546xx
- 54601 54602 54603 54614 54619 54620 54636 54638 54644 54648 54649 54650 54653 54656 54660 54662 54666 54669 54670
Installations whose address is in this area
Military OneSource lists these installations at a ZIP code in WI318; the ZIP shown is the one in each installation’s main contact address.
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.