BAH Housing Guide for Northern Virginia

Maximize your Basic Allowance for Housing with expert guidance from an MRP Certified military real estate specialist. Find the perfect home within your BAH budget while building long-term wealth.

2025 BAH Rates - Northern Virginia

Current Basic Allowance for Housing rates for major military installations in the area. Rates are updated annually and may vary by zip code and rank.

LocationZip CodesWith DependentsWithout Dependents
Fort Belvoir Area
E-5 (Sample rates - vary by rank)
22060, 22079, 22039, 22315
$2,634$2,226
Pentagon Area
E-5 (Sample rates - vary by rank)
22202, 22204, 22206, 22301
$3,024$2,556
Quantico Area
E-5 (Sample rates - vary by rank)
22134, 22572, 22556, 22192
$2,634$2,226
Loudoun County
E-5 (Sample rates - vary by rank)
20147, 20148, 20152, 20176
$2,634$2,226

Note: Rates shown are for E-5 and above. Junior enlisted rates vary by rank. BAH rates are updated annually and can vary significantly by specific zip code and rank.

🔍 Official BAH Rate Lookup

For the most current and accurate BAH rates by your specific zip code and rank, use the official DOD lookup tool:

Official DOD BAH Rate Lookup Tool →

travel.dod.mil - Updated with official 2025 rates

Smart BAH Strategies

Different approaches to maximize your housing allowance based on your financial goals and lifestyle preferences.

100% BAH Strategy

Find homes where your mortgage payment equals your BAH rate, maximizing your housing benefit.

  • Include taxes and insurance in calculations
  • Consider HOA fees in total housing costs
  • Account for utilities not covered by BAH

BAH Plus Strategy

Use BAH as base payment and add personal funds for upgraded housing options.

  • Typically add 10-20% to BAH for premium areas
  • Consider long-term equity building
  • Factor in potential appreciation

Under BAH Strategy

Choose housing below BAH rate to pocket the difference tax-free.

  • Keep extra BAH funds for savings
  • Build emergency fund with difference
  • Consider investment opportunities

Housing Options & BAH Fit

Single Family Homes

$500K - $800K

100-120% BAH

Pros:

  • Privacy
  • Yard space
  • No HOA fees
  • Potential appreciation

Considerations:

  • Higher maintenance
  • Property taxes
  • Utilities responsibility

Townhomes/Condos

$400K - $650K

80-100% BAH

Pros:

  • Lower maintenance
  • Community amenities
  • Often newer construction

Considerations:

  • HOA fees
  • Shared walls
  • Parking limitations

Military Housing

100% BAH

Exact BAH match

Pros:

  • No out-of-pocket costs
  • Maintenance included
  • Military community

Considerations:

  • Limited privacy
  • No equity building
  • Waiting lists

Real BAH Calculation Examples

See how BAH works in practice for different ranks and family situations.

Fort Belvoir E-6 with Dependents

Monthly Budget Breakdown:

Total BAH:$2,928
Max Mortgage Payment:$2,500
Taxes & Insurance:$300
Estimated Utilities:$200
Total Housing Budget:$2,928

MRP Recommendation:

Look for homes under $520K with good energy efficiency

Pentagon O-3 with Dependents

Monthly Budget Breakdown:

Total BAH:$3,126
Max Mortgage Payment:$2,650
Taxes & Insurance:$350
Estimated Utilities:$200
Total Housing Budget:$3,126

MRP Recommendation:

Consider homes up to $550K in Arlington/Alexandria

BAH Best Practices & Tips

Smart BAH Management

  • BAH is received tax-free - factor this into calculations
  • Consider total cost of ownership, not just mortgage
  • Factor in commute costs and time to your base
  • Remember BAH rates can change annually

Location Considerations

  • Different zip codes = different BAH rates
  • Consider school districts for families
  • Evaluate resale potential for PCS moves
  • Research local military communities and support

Ready to Maximize Your BAH?

Get personalized BAH strategy and home recommendations from an MRP Certified military real estate specialist who understands your unique financial situation and goals.