2026 BAH Rates: Annapolis, MD Area (MD128)

Annapolis, MD Area: 2026 BAH at a glance

Military Housing Area MD128 covers 31 ZIP codes in Annapolis, Glen Burnie, Pasadena, Arnold, Brooklyn and nearby communities, Maryland. BAH is set by your duty station's ZIP code, not where you choose to live, so this table applies to anyone assigned inside it.

E-4 with deps

$2,757

$2,280 without

E-5 with deps

$2,928

$2,475 without

E-6 with deps

$3,228

$2,601 without

E-7 with deps

$3,303

$2,763 without

O-3 with deps

$3,438

$3,114 without

An E-5 with dependents here receives $2,928 a month, 42% above the median housing area ($2,064), ranking 56 of 338 nationally.

For officers, an O-3 with dependents gets $3,438, ranking 62 of 338 (36% above the $2,529 median). Promotion from E-5 to E-7 adds $375 a month in housing allowance here, before any change in base pay.

Dependents add $453 a month for an E-5 (18% over the $2,475 single rate), more than the typical $375 gap nationally. The with-dependents rate is the same whether you have one dependent or five.

2026 BAH rates for every grade

Monthly, effective January 1, 2026. "Difference" is what dependents add at each grade.

Grade	With dependents	Without	Difference
E-1	$2,757	$2,280	$477
E-2	$2,757	$2,280	$477
E-3	$2,757	$2,280	$477
E-4	$2,757	$2,280	$477
E-5	$2,928	$2,475	$453
E-6	$3,228	$2,601	$627
E-7	$3,303	$2,763	$540
E-8	$3,384	$2,991	$393
E-9	$3,546	$3,075	$471
W-1	$3,246	$2,709	$537
W-2	$3,336	$2,988	$348
W-3	$3,441	$3,087	$354
W-4	$3,585	$3,237	$348
W-5	$3,762	$3,321	$441
O-1E	$3,315	$2,925	$390
O-2E	$3,423	$3,054	$369
O-3E	$3,612	$3,219	$393
O-1	$2,970	$2,586	$384
O-2	$3,225	$2,874	$351
O-3	$3,438	$3,114	$324
O-4	$3,822	$3,300	$522
O-5	$4,101	$3,342	$759
O-6	$4,134	$3,417	$717
O-7	$4,164	$3,477	$687

Official DoD rates for MHA MD128. If rates in an area fall, members already there keep their higher rate (rate protection) until they PCS or their eligibility changes. 2027 rates are normally announced in mid-December: what to expect.

Nearby housing areas

The closest other MHAs by ZIP-code center. Your BAH follows your duty ZIP, but these show how the rate changes across the region if you are choosing between assignments.

Within about 42 miles, E-5 with-dependents BAH runs from $2,406 (St. Mary's County, MD) to $3,249 (Waldorf, MD Area), a spread of $843 a month or $10,116 a year for the same rank.

Housing area	Distance	E-5 with deps	O-3 with deps
Fort Meade (Fort Meade, MD) MD133	14 mi	$2,901	$3,411
Joint Base Andrews (Camp Springs, MD) DC053	28 mi	$3,132	$4,020
Chestertown, MD Area MD458	28 mi	$2,445	$2,985
Baltimore, MD Area MD129	29 mi	$2,610	$3,156
Waldorf, MD Area MD134	39 mi	$3,249	$3,669
St. Mary's County, MD MD135	42 mi	$2,406	$2,769

ZIP codes in this housing area

Annapolis, MD

2140121402214032140421405214092141121412

Glen Burnie, MD

2106021062

Pasadena, MD

2112221123

Arnold, MD

21012

Brooklyn, MD

21225

Churchton, MD

20733

Crownsville, MD

21032

Curtis Bay, MD

21226

Davidsonville, MD

21035

Deale, MD

20751

Edgewater, MD

21037

Friendship, MD

20758

Galesville, MD

20765

Gibson Island, MD

21056

Harwood, MD

20776

Lothian, MD

20711

Mayo, MD

21106

Riva, MD

21140

Severna Park, MD

21146

Shady Side, MD

20764

Tracys Landing, MD

20779

West River, MD

20778

Using this rate

Find your exact rate by duty ZIP, grade and dependency status in the BAH calculator.
Moving here? Price the move and your PPM in the PCS calculator, and test renting against buying in the rent vs buy calculator.
See BAH with base pay and BAS as one number in the compensation calculator.

Place names: GeoNames (CC BY 4.0), matched to the official DoD ZIP-to-MHA mapping. Rates: DoD BAH rate file effective January 1, 2026.