How much is BAH in Washington?

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 Washington.

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

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 · WA

Washington BAH rates for 2026.

JBLM, NB Kitsap, and NAS Whidbey anchor Washington's military housing areas.

All state BAH rates

MHA / Installation area	Installations
Tacoma / JBLM	JB Lewis-McChord
Bremerton / NB Kitsap	NB Kitsap
Whidbey Island / NAS	NAS Whidbey Island
Fairchild AFB / Spokane	Fairchild 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.

BAH by installation in Washington

JB Lewis-McChord BAH

JB Lewis-McChord falls under the Tacoma / JBLM Military Housing Area. Your 2026 BAH rate depends on pay grade and dependency status — look up the exact figure for the Tacoma / JBLM MHA on the official DoD BAH calculator.

NB Kitsap BAH

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

NAS Whidbey Island BAH

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

Fairchild AFB BAH

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

2026 FHFA conforming limits in Washington

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.

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