How much is BAH in Arizona?

BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Verify your exact rate on the official DoD BAH calculator before making housing decisions in Arizona.

Can I use my BAH to qualify for a VA loan in Arizona?

Yes. VA underwriters can count BAH as stable, tax-free income. Because it's nontaxable, a lender may gross it up when calculating debt-to-income ratios; the applicable percentage depends on the agency/investor guideline and the borrower's actual documented tax situation. VA underwriting emphasizes residual income and actual income.

BAH · AZ

Arizona BAH rates for 2026.

Phoenix-area BAH has climbed with housing prices, while Tucson and Sierra Vista remain affordable.

All state BAH rates

MHA / Installation area	Installations
Phoenix / Luke AFB	Luke AFB
Tucson / DM AFB	Davis-Monthan AFB
Sierra Vista / Fort Huachuca	Fort Huachuca

BAH rates vary by pay grade, dependency status, and ZIP-based MHA, and DoD updates them annually. Verify your exact 2026 rate on the official DoD BAH calculator before making financial decisions.

BAH by installation in Arizona

Luke AFB BAH

Luke AFB falls under the Phoenix / Luke AFB Military Housing Area. Your 2026 BAH rate depends on pay grade and dependency status — look up the exact figure for the Phoenix / Luke AFB MHA on the official DoD BAH calculator.

Davis-Monthan AFB BAH

Davis-Monthan AFB falls under the Tucson / DM AFB Military Housing Area. Your 2026 BAH rate depends on pay grade and dependency status — look up the exact figure for the Tucson / DM AFB MHA on the official DoD BAH calculator.

Fort Huachuca BAH

Fort Huachuca falls under the Sierra Vista / Fort Huachuca Military Housing Area. Your 2026 BAH rate depends on pay grade and dependency status — look up the exact figure for the Sierra Vista / Fort Huachuca MHA on the official DoD BAH calculator.

2026 FHFA conforming limits in Arizona

2026 FHFA conforming and high-cost county limit values, plus a full state VA loan guide. Borrowers with full entitlement have no VA loan limit.

Arizona snapshot: 2026 FHFA conforming loan limits are set per county, not per state. See the Arizona county list for the verified one-unit figure that applies to a specific property.