2026 BAH Rates: Frederick, MD Area (MD130)

Frederick, MD Area: 2026 BAH at a glance

Military Housing Area MD130 covers 31 ZIP codes in Frederick, Adamstown, Braddock Heights, Brunswick, Buckeystown 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

$2,466

$2,016 without

E-5 with deps

$2,682

$2,160 without

E-6 with deps

$3,063

$2,295 without

E-7 with deps

$3,132

$2,472 without

O-3 with deps

$3,255

$2,922 without

An E-5 with dependents here receives $2,682 a month, 30% above the median housing area ($2,064), ranking 75 of 338 nationally.

For officers, an O-3 with dependents gets $3,255, ranking 77 of 338 (29% above the $2,529 median). Promotion from E-5 to E-7 adds $450 a month in housing allowance here, before any change in base pay.

Dependents add $522 a month for an E-5 (24% over the $2,160 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	$2,466	$2,016	$450
E-2	$2,466	$2,016	$450
E-3	$2,466	$2,016	$450
E-4	$2,466	$2,016	$450
E-5	$2,682	$2,160	$522
E-6	$3,063	$2,295	$768
E-7	$3,132	$2,472	$660
E-8	$3,207	$2,763	$444
E-9	$3,345	$2,871	$474
W-1	$3,081	$2,400	$681
W-2	$3,162	$2,760	$402
W-3	$3,258	$2,886	$372
W-4	$3,375	$3,075	$300
W-5	$3,525	$3,147	$378
O-1E	$3,144	$2,679	$465
O-2E	$3,243	$2,847	$396
O-3E	$3,399	$3,054	$345
O-1	$2,733	$2,247	$486
O-2	$3,060	$2,613	$447
O-3	$3,255	$2,922	$333
O-4	$3,573	$3,129	$444
O-5	$3,804	$3,168	$636
O-6	$3,837	$3,234	$603
O-7	$3,864	$3,291	$573

Official DoD rates for MHA MD130. 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 56 miles, E-5 with-dependents BAH runs from $2,058 (Martinsburg, WV Area) to $3,132 (Joint Base Andrews (Camp Springs, MD)), a spread of $1,074 a month or $12,888 a year for the same rank.

Housing area	Distance	E-5 with deps	O-3 with deps
Martinsburg, WV Area WV454	28 mi	$2,058	$2,478
Baltimore, MD Area MD129	38 mi	$2,610	$3,156
Loudoun County, VA VA302	38 mi	$3,066	$3,666
Joint Base Andrews (Camp Springs, MD) DC053	41 mi	$3,132	$4,020
Fort Meade (Fort Meade, MD) MD133	43 mi	$2,901	$3,411
Harrisburg, PA Area PA247	56 mi	$2,076	$2,559

ZIP codes in this housing area

Frederick, MD

217012170221703217042170521709

Adamstown, MD

21710

Braddock Heights, MD

21714

Brunswick, MD

21716

Buckeystown, MD

21717

Burkittsville, MD

21718

Cascade, MD

21719

Emmitsburg, MD

21727

Ijamsville, MD

21754

Jefferson, MD

21755

Knoxville, MD

21758

Libertytown, MD

21762

Middletown, MD

21769

Monrovia, MD

21770

Mount Airy, MD

21771

Myersville, MD

21773

New Market, MD

21774

New Midway, MD

21775

Point Of Rocks, MD

21777

Rocky Ridge, MD

21778

Sabillasville, MD

21780

Thurmont, MD

21788

Tuscarora, MD

21790

Unionville, MD

21792

Walkersville, MD

21793

Woodsboro, MD

21798

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.