2026 BAH Rates — Champaign/Urbana, IL
2026 Basic Allowance for Housing (BAH) for Champaign/Urbana, IL (Military Housing Area IL088), effective January 1, 2026. BAH is a tax-free monthly allowance set by your duty-station ZIP code, pay grade, and whether you have dependents.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,467 | $1,230 |
| E-2 | $1,467 | $1,230 |
| E-3 | $1,467 | $1,230 |
| E-4 | $1,467 | $1,230 |
| E-5 | $1,539 | $1,329 |
| E-6 | $1,980 | $1,485 |
| E-7 | $2,034 | $1,527 |
| E-8 | $2,091 | $1,632 |
| E-9 | $2,238 | $1,761 |
| W-1 | $2,001 | $1,500 |
| W-2 | $2,058 | $1,629 |
| W-3 | $2,130 | $1,776 |
| W-4 | $2,280 | $1,989 |
| W-5 | $2,466 | $2,046 |
| O-1E | $2,040 | $1,536 |
| O-2E | $2,118 | $1,731 |
| O-3E | $2,310 | $1,974 |
| O-1 | $1,599 | $1,392 |
| O-2 | $1,977 | $1,530 |
| O-3 | $2,127 | $1,818 |
| O-4 | $2,529 | $2,028 |
| O-5 | $2,820 | $2,115 |
| O-6 | $2,841 | $2,130 |
| O-7 | $2,859 | $2,145 |
Estimate your own pay with the BAH calculator and the full military pay calculator. See all BAH locations or the by-state overview.
Frequently asked questions
How much is BAH in Champaign/Urbana, IL?
In 2026, an E-5 with dependents stationed in Champaign/Urbana, IL receives $1,539 per month in tax-free BAH, or $1,329 without dependents. Rates vary by pay grade — see the full table above.
Is BAH taxable?
No. BAH is a tax-free housing allowance, which makes it worth more than the same amount of taxable base pay.