How much is BAH in Illinois?

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 Illinois.

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

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 · IL

Illinois BAH rates for 2026.

NS Great Lakes and Scott AFB anchor Illinois military housing areas, from the Chicago metro to downstate.

All state BAH rates

MHA / Installation area	Installations
Great Lakes / NS Great Lakes	NS Great Lakes
Scott AFB / Belleville	Scott AFB

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 Illinois

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.

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