U.S. Naval Academy
Annapolis, Maryland · Navy
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Showing E-5 with dependents for the Annapolis, MD MHA.
Quick Facts
Location
Annapolis, MD
Branch
Navy
MHA
Annapolis, MD
E-5 w/dep
$2,928/mo
State Tax
5.0% (Maryland)
How This Market Compares
Annapolis has a premium waterfront housing market. Odenton, Glen Burnie, and Severn offer more affordable alternatives with easy access to Baltimore-Washington transit. BAH reflects the elevated DC/Annapolis area market.
E-5 w/dep BAH here
$2,928/mo
Natl median E-5 w/dep
$2,061/mo
vs. natl avg
+$867/mo
2026 BAH Rates — Annapolis, MD
Monthly rates for all pay grades. Source: DTMO 2026 BAH data. BAH is not taxable income.
E-4 w/dep: $2,757/mo·E-5 w/dep: $2,928/mo·E-6 w/dep: $3,228/mo
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| Enlisted | ||
| E-1 (PVT/SR/Amn/Pvt) | $2,757 | $2,280 |
| E-2 (PV2/FA/A1C/PFC) | $2,757 | $2,280 |
| E-3 (PFC/SA/SrA/LCpl) | $2,757 | $2,280 |
| E-4 (SPC/Cpl/SN/Cpl) | $2,757 | $2,280 |
| E-5 (SGT/PO2/SSgt) | $2,928 | $2,475 |
| E-6 (SSG/PO1/TSgt) | $3,228 | $2,601 |
| E-7 (SFC/CPO/MSgt) | $3,303 | $2,763 |
| E-8 (MSG/1SG/SCPO) | $3,384 | $2,991 |
| E-9 (SGM/CSM/MCPO) | $3,546 | $3,075 |
| Warrant Officer | ||
| W-1 (WO1) | $3,246 | $2,709 |
| W-2 (CW2) | $3,336 | $2,988 |
| W-3 (CW3) | $3,441 | $3,087 |
| W-4 (CW4) | $3,585 | $3,237 |
| W-5 (CW5) | $3,762 | $3,321 |
| Officer (Prior Enlisted) | ||
| O-1E (2LT — prior enlisted) | $3,315 | $2,925 |
| O-2E (1LT — prior enlisted) | $3,423 | $3,054 |
| O-3E (CPT — prior enlisted) | $3,612 | $3,219 |
| Officer | ||
| O-1 (2LT/ENS/2ndLt) | $2,970 | $2,586 |
| O-2 (1LT/LTJG/1stLt) | $3,225 | $2,874 |
| O-3 (CPT/LT/Capt) | $3,438 | $3,114 |
| O-4 (MAJ/LCDR/Maj) | $3,822 | $3,300 |
| O-5 (LTC/CDR/LtCol) | $4,101 | $3,342 |
| O-6 (COL/CAPT/Col) | $4,134 | $3,417 |
| O-7 (BG/RDML/BGen) | $4,164 | $3,477 |
O-8, O-9, and O-10 receive the same BAH as O-7. Rates effective January 1, 2026.
Key Insights for U.S. Naval Academy
An E-5 with dependents receives $2,928/month — that's $35,136/year in tax-free housing money to cover costs in the Annapolis, MD market.
Maryland taxes military base pay at approximately 5.0%. BAH and BAS remain tax-free at the federal and state level.
BAH is designed to cover median rental costs — not average or premium rents. Members living in above-median housing pay the difference out of pocket; those in below-median housing keep the surplus.
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Data Source & Disclaimer
BAH rates are from the Defense Travel Management Office (DTMO) 2026 BAH data, effective January 1, 2026. Rates are set by Military Housing Area (MHA), not individual ZIP code — all ZIPs in the same MHA receive identical rates. This page is for informational purposes only and is not affiliated with DoD, DTMO, or any government agency. Verify your entitlement at travel.dod.mil.