Military BAHRATES

Army · Wisconsin · ZIP 54656

Fort McCoy BAH rates 2026

Fort McCoy

WI318 · 2026 BAH

$1,395/mo

E-5 · with dependents

$16,740 a year · +4.5% vs 2025

Without dependents: $1,290/mo

Dependency status

BAH at Fort McCoy comes from DTMO's Sparta/Fort McCoy, WI military housing area (WI318). In 2026 an E-5 with dependents receives $1,395 a month, or $1,290 without dependents.

$1,380
E-1 to E-4
with dependents (one shared rate)
$1,875
E-7
with dependents, $480 more than E-5
$1,923
O-3
with dependents
+5.0%
Avg change vs 2025
all 24 grades; E-5 pay ranks #119 of 127 bases

Fort McCoy BAH by rank, with and without dependents, 2026

Monthly rates for every pay grade; your grade is highlighted. The rate depends on your duty station's ZIP code, so it applies wherever you choose to live.

DTMO’s official BAH calculator, Department of Defense (opens in a new tab) ↗
GradeWith dependentsWithout dependentsvs 2025
(with)
E-1Private (PV1) (Army), Airman Basic (AF)
$1,380
$1,173
+4.5%
E-2Private (PV2) (Army), Airman (AF)
$1,380
$1,173
+4.5%
E-3Private First Class (Army), Airman First Class (AF)
$1,380
$1,173
+4.5%
E-4Specialist / Corporal (Army), Senior Airman (AF)
$1,380
$1,173
+4.5%
E-5Sergeant (Army), Staff Sergeant (AF)
$1,395
$1,290
+4.5%
E-6Staff Sergeant (Army), Technical Sergeant (AF)
$1,845
$1,383
+2.8%
E-7Sergeant First Class (Army), Master Sergeant (AF)
$1,875
$1,407
+3.1%
E-8Master Sergeant / First Sergeant (Army), Senior Master Sergeant (AF)
$1,905
$1,488
+4.3%
E-9Sergeant Major (Army), Chief Master Sergeant (AF)
$1,971
$1,620
+6.7%
W-1Warrant Officer 1 / Warrant Officer 1
$1,866
$1,401
+2.8%
W-2Chief Warrant Officer 2
$1,887
$1,485
+3.5%
W-3Chief Warrant Officer 3
$1,926
$1,638
+4.9%
W-4Chief Warrant Officer 4
$1,989
$1,848
+6.6%
W-5Chief Warrant Officer 5
$2,073
$1,881
+6.8%
O-1EO-1 with 4+ yrs prior enlisted service
$1,878
$1,413
+3.1%
O-2EO-2 with 4+ yrs prior enlisted service
$1,917
$1,590
+4.8%
O-3EO-3 with 4+ yrs prior enlisted service
$2,001
$1,839
+6.7%
O-1Second Lieutenant
$1,455
$1,362
+4.3%
O-2First Lieutenant
$1,842
$1,410
+2.8%
O-3Captain
$1,923
$1,680
+4.9%
O-4Major
$2,094
$1,866
+6.7%
O-5Lieutenant Colonel
$2,223
$1,884
+7.5%
O-6Colonel
$2,238
$1,902
+7.3%
O-7+O-7 and above
$2,250
$1,932
+7.3%

BAH since 2022

E-5 with dependents moved from $1,278 in 2022 to $1,395 in 2026 (+9.2%).

How Sparta/Fort McCoy, WI compares →

Monthly BAH in Sparta/Fort McCoy, WI, 2022–2026

US dollars a month, with dependents, two common pay grades

E-5O-3
$1,000$1,250$1,500$1,750$2,00020222023202420252026E-5 with dependents 2022: $1,278E-5 with dependents 2023: $1,161E-5 with dependents 2024: $1,218E-5 with dependents 2025: $1,335E-5 with dependents 2026: $1,395O-3 with dependents 2022: $1,455O-3 with dependents 2023: $1,674O-3 with dependents 2024: $1,767O-3 with dependents 2025: $1,833O-3 with dependents 2026: $1,923$1,923O-3 with dependents$1,395E-5 with dependents
$1,000$1,250$1,500$1,750$2,000202220242026E-5 with dependents 2022: $1,278E-5 with dependents 2023: $1,161E-5 with dependents 2024: $1,218E-5 with dependents 2025: $1,335E-5 with dependents 2026: $1,395O-3 with dependents 2022: $1,455O-3 with dependents 2023: $1,674O-3 with dependents 2024: $1,767O-3 with dependents 2025: $1,833O-3 with dependents 2026: $1,923$1,923$1,395
Source: DTMO annual BAH rate files; rates in effect 1 January each year.
View as table: every grade, 2022–2026

With dependents

Grade20222023202420252026Change
E-1$1,251$1,125$1,215$1,320$1,380+10.3%
E-2$1,251$1,125$1,215$1,320$1,380+10.3%
E-3$1,251$1,125$1,215$1,320$1,380+10.3%
E-4$1,251$1,125$1,215$1,320$1,380+10.3%
E-5$1,278$1,161$1,218$1,335$1,395+9.2%
E-6$1,425$1,635$1,677$1,794$1,845+29.5%
E-7$1,440$1,659$1,710$1,818$1,875+30.2%
E-8$1,449$1,668$1,743$1,827$1,905+31.5%
E-9$1,461$1,686$1,821$1,848$1,971+34.9%
W-1$1,437$1,656$1,698$1,815$1,866+29.9%
W-2$1,446$1,665$1,725$1,824$1,887+30.5%
W-3$1,458$1,677$1,770$1,836$1,926+32.1%
W-4$1,467$1,707$1,842$1,866$1,989+35.6%
W-5$1,500$1,776$1,938$1,941$2,073+38.2%
O-1E$1,443$1,662$1,713$1,821$1,878+30.1%
O-2E$1,452$1,671$1,758$1,830$1,917+32.0%
O-3E$1,470$1,713$1,854$1,875$2,001+36.1%
O-1$1,302$1,224$1,278$1,395$1,455+11.8%
O-2$1,422$1,632$1,674$1,791$1,842+29.5%
O-3$1,455$1,674$1,767$1,833$1,923+32.2%
O-4$1,506$1,797$1,968$1,962$2,094+39.0%
O-5$1,560$1,902$2,112$2,067$2,223+42.5%
O-6$1,569$1,917$2,127$2,085$2,238+42.6%
O-7+$1,575$1,929$2,139$2,097$2,250+42.9%

Without dependents

Grade20222023202420252026Change
E-1$990$963$1,098$1,134$1,173+18.5%
E-2$990$963$1,098$1,134$1,173+18.5%
E-3$990$963$1,098$1,134$1,173+18.5%
E-4$990$963$1,098$1,134$1,173+18.5%
E-5$1,137$1,032$1,164$1,236$1,290+13.5%
E-6$1,221$1,227$1,257$1,347$1,383+13.3%
E-7$1,257$1,248$1,284$1,365$1,407+11.9%
E-8$1,314$1,260$1,311$1,431$1,488+13.2%
E-9$1,347$1,398$1,446$1,563$1,620+20.3%
W-1$1,254$1,245$1,278$1,362$1,401+11.7%
W-2$1,311$1,257$1,308$1,428$1,485+13.3%
W-3$1,353$1,413$1,464$1,581$1,638+21.1%
W-4$1,419$1,635$1,683$1,791$1,848+30.2%
W-5$1,428$1,641$1,716$1,803$1,881+31.7%
O-1E$1,278$1,254$1,290$1,371$1,413+10.6%
O-2E$1,341$1,368$1,416$1,533$1,590+18.6%
O-3E$1,416$1,629$1,671$1,788$1,839+29.9%
O-1$1,218$1,080$1,209$1,299$1,362+11.8%
O-2$1,272$1,251$1,287$1,368$1,410+10.8%
O-3$1,368$1,464$1,509$1,629$1,680+22.8%
O-4$1,422$1,638$1,704$1,794$1,866+31.2%
O-5$1,431$1,644$1,719$1,806$1,884+31.7%
O-6$1,434$1,647$1,743$1,809$1,902+32.6%
O-7+$1,437$1,653$1,770$1,818$1,932+34.4%

Questions

What is E-5 BAH at Fort McCoy in 2026?
$1,395 a month with dependents and $1,290 without, from the Sparta/Fort McCoy, WI rates (MHA WI318).
Which ZIP code is used for Fort McCoy BAH?
This page uses ZIP 54656, which DTMO maps to WI318. If your unit's duty address has a different ZIP, enter it in the calculator: neighbouring ZIPs can fall in a different housing area.
Is BAH taxable?
No. BAH is a tax-free allowance; DTMO's BAH primer describes it as tax-free housing allowances paid to about one million service members.

Sources

  1. Defense Travel Management Office, BAH rates, all locations and all pay grades, 2026 (ASCII files), BAH Rate Lookup. Downloaded 2026-10-08.
  2. DTMO, 2025 and earlier rate files (same page), used for year-over-year change.