Basic Allowance for Housing

BAH Calculator


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    1. If multiple, select the option that best describes the majority of your military service.
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    1. Without military experience most loans require at least 3% down.

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    1. Based on the information provided, your loan-to-value ratio is too high for a Cash-Out refinance with Security America Mortgage.
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    1. You may be able to take out as much as $325,000.
    Maximum cashout amount based on the home value and mortgage balance information you supplied. Not guaranteed until locked in by your Loan Officer.
    1. Your receipt of VA disability income may help us determine other benefits of your VA loan.
    1. Your disability rating may exempt you from the VA Funding Fee, a governmental fee applied to every VA purchase and refinance loan. This fee goes directly to the Department of Veterans Affairs.
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    Paddio has been determined to be a better option for your unique homebuying situation. If you think this is a mistake and you do have military experience, please contact Security America Mortgage Home Loans directly at (844) 648-2148.
    Neighbors Bank has been determined to be a better option for your unique homebuying situation. If you think this is a mistake and you do have military experience, please contact Security America Mortgage Home Loans directly at (844) 648-2148.
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  • $

    Monthly Allowance

  • $

    / Year

Start a VA Loan with my BAH

Basic Allowance for Housing calculations based on data from the U.S. Department of Defense, Defense Travel Management Office.

See Past BAH Rates

Recent BAH Values

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If your rate decreased this year, you may be grandfathered into a higher BAH rate. Learn more

BAH Rates

In 2022, BAH rates increased 5.1%, up from a 2.90% increase in 2021. This increase exceeded the original proposed BAH rates for the 2022 calendar year and marked the largest increase to Basic Allowance for Housing in the last decade.

Year Proposed Increase/Decrease Actual Increase
2023 4.2% 12.1%
2022 3.1% 5.1%
2021 2.90% – 3.70% 2.90%
2020 2.90% 2.8%
2019 2.90% 2.55%
2018 2.90% 0.7%
2017 2.90% 2.4%
2016 1.30% 3.4%
2015 -5.00% 0.5%
2014 4.20% 5.00%
2013 4.20% 3.80%
2012 4.20% 2.0%

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FAQs

Yes, the Department of Defense has released the 2023 Basic Allowance for Housing rates. Basic Allowance for Housing rates were increased an average of 12.1 percent when the new rates took effect on January 1, 2023. An estimated $26.8 billion will be paid to approximately one million Service members. The significant increase in average BAH rates is reflective of the unique market conditions experienced across many locations nationwide over the past year. While average BAH rates increased substantially, different rental markets experience different market trends, and the 2023 BAH rates reflect those geographic market condition differences.

Yes, a little known fact is that BAH can also be used to qualify and gross disability income can help with qualification.

Yes, a little known fact is that Basic allowance for housing in 2023 can also be used to qualify and gross disability income can help with qualification. Your BAH income can help you build a home with a va loan, buy a home with a va home loan or rehab a home with va renovation loan purchase.

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