Basic Allowance for Housing (BAH)

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Basic Allowance for Housing, or BAH, is paid monthly to eligible service members when government housing isn't available. Lenders can count BAH as effective income and use it to help calculate how much a borrower can spend on housing each month.

The amount a veteran receives for BAH is based on rank, years of service, dependent status and location.

In general, service members with higher ranks and more years of service receive more money each month for BAH, though there are exceptions. Rates also tend to be higher in major metropolitan areas or regions with higher costs of living.

BAH rates are set annually. If you decide to spend less on housing than your eligible rate, you can use the difference for other expenses. However, if your housing costs exceed the predetermined BAH rate, you'll need to make up the difference yourself.

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Loan Type VA Home PurchaseVA Home Refinance

State     SelectState...AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict Of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming

Area SelectChattanooga AreaClarksville AreaKnoxville AreaMemphis AreaNashville Area

Home Value Select under $60,000 $60,000 $80,000 $100,000 $120,000 $140,000 $160,000 $180,000 $200,000 $220,000 $240,000 $260,000 $280,000 $300,000 $320,000 $340,000 $360,000 $380,000 $400,000

Plan to Purchase SelectWithin a MonthIn 2-6 MonthsOver 6 Months

Credit Rating SelectExcellentGoodFairPoor

Military Status SelectActive DutyVeteranReserves/National GuardRetiredSpouseNo Military Experience

Current Rate Selectunder 4.5% 4.5%4.75%5%5.25%5.5%5.75%6%6.25%6.5%6.75%7%7.25%7.5%7.75%8%8.25%8.5%8.75%9%9.25%9.5%9.75%10% over 10%

Already found a home? SelectYesNo

Preventing you from buying now? SelectCredit too LowIncome too LowLocked in Rent/LeaseTransferingHaven't Found HomeOther

Currently Owe Select under $60,000 $60,000 $80,000 $100,000 $120,000 $140,000 $160,000 $180,000 $200,000 $220,000 $240,000 $260,000 $280,000 $300,000 $320,000 $340,000 $360,000 $380,000 $400,000

Ever filed for bankruptcy? SelectNeverWithin the year1-2 years ago2-5 years ago5-7 years agoOver 7 years ago

Refinancing a manufactured home? SelectNoYes

Do you currently have a VA Loan? SelectNoYes

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