Saginaw, MI Area: 2026 BAH at a glance
Military Housing Area MI156 covers 35 ZIP codes in Saginaw, Bay City, Frankenmuth, Auburn, Bentley and nearby communities, Michigan. 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.
An E-5 with dependents here receives $1,503 a month, 27% below the median housing area ($2,064), ranking 286 of 338 nationally.
For officers, an O-3 with dependents gets $1,842, ranking 326 of 338 (27% below the $2,529 median). Promotion from E-5 to E-7 adds $279 a month in housing allowance here, before any change in base pay.
Dependents add $375 a month for an E-5 (33% over the $1,128 single rate), about the same as 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 | $1,329 | $1,080 | $249 |
| E-2 | $1,329 | $1,080 | $249 |
| E-3 | $1,329 | $1,080 | $249 |
| E-4 | $1,329 | $1,080 | $249 |
| E-5 | $1,503 | $1,128 | $375 |
| E-6 | $1,749 | $1,311 | $438 |
| E-7 | $1,782 | $1,338 | $444 |
| E-8 | $1,818 | $1,560 | $258 |
| E-9 | $1,869 | $1,623 | $246 |
| W-1 | $1,767 | $1,326 | $441 |
| W-2 | $1,797 | $1,557 | $240 |
| W-3 | $1,845 | $1,635 | $210 |
| W-4 | $1,878 | $1,749 | $129 |
| W-5 | $1,929 | $1,788 | $141 |
| O-1E | $1,785 | $1,500 | $285 |
| O-2E | $1,833 | $1,608 | $225 |
| O-3E | $1,887 | $1,740 | $147 |
| O-1 | $1,542 | $1,158 | $384 |
| O-2 | $1,746 | $1,449 | $297 |
| O-3 | $1,842 | $1,656 | $186 |
| O-4 | $1,938 | $1,773 | $165 |
| O-5 | $2,007 | $1,791 | $216 |
| O-6 | $2,022 | $1,821 | $201 |
| O-7 | $2,031 | $1,848 | $183 |
Official DoD rates for MHA MI156. 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 110 miles, E-5 with-dependents BAH runs from $1,503 (this area) to $2,559 (Ann Arbor, MI Area), a spread of $1,056 a month or $12,672 a year for the same rank.
| Housing area | Distance | E-5 with deps | O-3 with deps |
|---|---|---|---|
| Lansing, MI Area MI153 | 62 mi | $1,806 | $2,127 |
| Detroit, MI Area MI142 | 79 mi | $2,361 | $2,778 |
| Ann Arbor, MI Area MI155 | 84 mi | $2,559 | $3,357 |
| Grand Rapids, MI Area MI154 | 91 mi | $2,148 | $2,439 |
| Kalamazoo, MI Area MI152 | 109 mi | $1,959 | $2,514 |
| Muskegon, MI Area MI148 | 110 mi | $2,181 | $2,553 |
ZIP codes in this housing area
Saginaw, MI
Bay City, MI
Frankenmuth, MI
Auburn, MI
Bentley, MI
Birch Run, MI
Brant, MI
Bridgeport, MI
Burt, MI
Carrollton, MI
Chesaning, MI
Essexville, MI
Freeland, MI
Hemlock, MI
Kawkawlin, MI
Linwood, MI
Merrill, MI
Munger, MI
Oakley, MI
Pinconning, MI
Saint Charles, MI
University Center, MI
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.