The monthly Basic Allowance for Housing (BAH) for Saginaw, MI — Military Housing Area MI156 in Michigan — is shown below for every pay grade, with and without dependents. These are the official 2026 DTMO rates; an E-5 with dependents receives $1,503/month here. 2027 figures are projections until the DoD publishes official 2027 rates in December 2026.
2026 BAH rates: Saginaw, MI
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E1 | $1,329 | $1,080 |
| E2 | $1,329 | $1,080 |
| E3 | $1,329 | $1,080 |
| E4 | $1,329 | $1,080 |
| E5 | $1,503 | $1,128 |
| E6 | $1,749 | $1,311 |
| E7 | $1,782 | $1,338 |
| E8 | $1,818 | $1,560 |
| E9 | $1,869 | $1,623 |
| W1 | $1,767 | $1,326 |
| W2 | $1,797 | $1,557 |
| W3 | $1,845 | $1,635 |
| W4 | $1,878 | $1,749 |
| W5 | $1,929 | $1,788 |
| O1E | $1,785 | $1,500 |
| O2E | $1,833 | $1,608 |
| O3E | $1,887 | $1,740 |
| O1 | $1,542 | $1,158 |
| O2 | $1,746 | $1,449 |
| O3 | $1,842 | $1,656 |
| O4 | $1,938 | $1,773 |
| O5 | $2,007 | $1,791 |
| O6 | $2,022 | $1,821 |
| O7 | $2,031 | $1,848 |
| O8 | $2,031 | $1,848 |
| O9 | $2,031 | $1,848 |
| O10 | $2,031 | $1,848 |
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.