The U.S. Naval Academy puts Annapolis on the military map, inside the broader Baltimore-Washington corridor. BAH here reflects pricey Anne Arundel County housing between two major metros. An E-5 with dependents receives $2,928/month in this area. The full official table for Annapolis, MD (MHA MD128) is below — every pay grade, with and without dependents, from 2026 DTMO rates, with 2027 projections marked where shown.
2026 BAH rates: Annapolis, MD
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E1 | $2,757 | $2,280 |
| E2 | $2,757 | $2,280 |
| E3 | $2,757 | $2,280 |
| E4 | $2,757 | $2,280 |
| E5 | $2,928 | $2,475 |
| E6 | $3,228 | $2,601 |
| E7 | $3,303 | $2,763 |
| E8 | $3,384 | $2,991 |
| E9 | $3,546 | $3,075 |
| W1 | $3,246 | $2,709 |
| W2 | $3,336 | $2,988 |
| W3 | $3,441 | $3,087 |
| W4 | $3,585 | $3,237 |
| W5 | $3,762 | $3,321 |
| O1E | $3,315 | $2,925 |
| O2E | $3,423 | $3,054 |
| O3E | $3,612 | $3,219 |
| O1 | $2,970 | $2,586 |
| O2 | $3,225 | $2,874 |
| O3 | $3,438 | $3,114 |
| O4 | $3,822 | $3,300 |
| O5 | $4,101 | $3,342 |
| O6 | $4,134 | $3,417 |
| O7 | $4,164 | $3,477 |
| O8 | $4,164 | $3,477 |
| O9 | $4,164 | $3,477 |
| O10 | $4,164 | $3,477 |
Notes
- O-8, O-9 and O-10 are paid at the O-7 rate, per DTMO tables.
- BAH is tax-free and rate-protected: your rate cannot drop while you stay in the same area.
- Use the BAH Calculator 2027 for an exact figure by ZIP code, or try the duty-station comparison before a PCS.