2026 BAH Rates — Saginaw, MI
2026 Basic Allowance for Housing (BAH) for Saginaw, MI (Military Housing Area MI156), 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 | $1,329 | $1,080 |
| E-2 | $1,329 | $1,080 |
| E-3 | $1,329 | $1,080 |
| E-4 | $1,329 | $1,080 |
| E-5 | $1,503 | $1,128 |
| E-6 | $1,749 | $1,311 |
| E-7 | $1,782 | $1,338 |
| E-8 | $1,818 | $1,560 |
| E-9 | $1,869 | $1,623 |
| W-1 | $1,767 | $1,326 |
| W-2 | $1,797 | $1,557 |
| W-3 | $1,845 | $1,635 |
| W-4 | $1,878 | $1,749 |
| W-5 | $1,929 | $1,788 |
| O-1E | $1,785 | $1,500 |
| O-2E | $1,833 | $1,608 |
| O-3E | $1,887 | $1,740 |
| O-1 | $1,542 | $1,158 |
| O-2 | $1,746 | $1,449 |
| O-3 | $1,842 | $1,656 |
| O-4 | $1,938 | $1,773 |
| O-5 | $2,007 | $1,791 |
| O-6 | $2,022 | $1,821 |
| O-7 | $2,031 | $1,848 |
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 Saginaw, MI?
In 2026, an E-5 with dependents stationed in Saginaw, MI receives $1,503 per month in tax-free BAH, or $1,128 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.