2026 BAH Rates — Waco, TX
2026 Basic Allowance for Housing (BAH) for Waco, TX (Military Housing Area TX415), 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 | $1,617 | $1,404 |
| E-2 | $1,617 | $1,404 |
| E-3 | $1,617 | $1,404 |
| E-4 | $1,617 | $1,404 |
| E-5 | $1,755 | $1,440 |
| E-6 | $2,097 | $1,572 |
| E-7 | $2,199 | $1,650 |
| E-8 | $2,310 | $1,830 |
| E-9 | $2,496 | $1,926 |
| W-1 | $2,118 | $1,590 |
| W-2 | $2,244 | $1,827 |
| W-3 | $2,382 | $1,938 |
| W-4 | $2,538 | $2,118 |
| W-5 | $2,730 | $2,223 |
| O-1E | $2,217 | $1,752 |
| O-2E | $2,361 | $1,902 |
| O-3E | $2,568 | $2,091 |
| O-1 | $1,803 | $1,473 |
| O-2 | $2,094 | $1,713 |
| O-3 | $2,379 | $1,971 |
| O-4 | $2,793 | $2,199 |
| O-5 | $3,093 | $2,319 |
| O-6 | $3,117 | $2,361 |
| O-7 | $3,138 | $2,400 |
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 Waco, TX?
In 2026, an E-5 with dependents stationed in Waco, TX receives $1,755 per month in tax-free BAH, or $1,440 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.