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.

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.

See what BAH gets you here

Start a prequal — we'll review your BAH and show an estimated price range. Submitting this website inquiry does not authorize or initiate a credit report. A licensed loan officer may separately request your written authorization before obtaining any credit report.

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.