2026 BAH Rates — Duluth, MN
2026 Basic Allowance for Housing (BAH) for Duluth, MN (Military Housing Area MN158), 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 | $1,917 | $1,455 |
| E-2 | $1,917 | $1,455 |
| E-3 | $1,917 | $1,455 |
| E-4 | $1,917 | $1,455 |
| E-5 | $2,064 | $1,653 |
| E-6 | $2,334 | $1,782 |
| E-7 | $2,355 | $1,923 |
| E-8 | $2,364 | $2,124 |
| E-9 | $2,433 | $2,196 |
| W-1 | $2,352 | $1,878 |
| W-2 | $2,361 | $2,121 |
| W-3 | $2,373 | $2,208 |
| W-4 | $2,457 | $2,328 |
| W-5 | $2,583 | $2,343 |
| O-1E | $2,358 | $2,061 |
| O-2E | $2,367 | $2,181 |
| O-3E | $2,478 | $2,325 |
| O-1 | $2,106 | $1,767 |
| O-2 | $2,331 | $2,019 |
| O-3 | $2,370 | $2,232 |
| O-4 | $2,619 | $2,331 |
| O-5 | $2,808 | $2,346 |
| O-6 | $2,829 | $2,349 |
| O-7 | $2,847 | $2,376 |
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 Duluth, MN?
In 2026, an E-5 with dependents stationed in Duluth, MN receives $2,064 per month in tax-free BAH, or $1,653 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.