Bases: Fort Meade · Joint Base Andrews · Aberdeen · NAS Patuxent River · $0 down VA · MD disabled-Veteran property tax exemption · Call Mike (480) 296-6513

Maryland VA Loan, BAH Calculator

Pick your base, pick your rank, see what home your 2026 BAH actually covers, including the MD summer utility reality most estimates skip.

By Mike Certo, NMLS #260555:

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Your Situation

Your Base & Rank
2026 BAH: $3,132 / month
The Home
MD summer A/C is real and changes what BAH covers, we build it in.
This is an illustration figure you can change. Ask Mike for a real quote based on your file.
Bowie / Waldorf / Bel Air master-planned typically $80-180/mo. Older neighborhoods often $0.

Your Result

Pick your base and rank to see your number.

What is BAH in Maryland for 2026?

BAH in Maryland depends on your duty station's military housing area (MHA), your pay grade, and whether you have dependents. Maryland spans several MHAs, so 2026 rates range widely across the state. Here are the 2026 monthly rates for an E-5 with dependents at Maryland's four main installations:

Base (MHA)2026 BAH, E-5 with dependents
Joint Base Andrews (DC053)$3,132
Fort Meade (MD133)$2,901
Aberdeen Proving Ground (MD127)$2,478
NAS Patuxent River (MD135)$2,406

The calculator above pulls the full 2026 table for every pay grade and dependent status, then converts your Maryland BAH into an estimated purchase price. Rates come from the official 2026 DoD BAH rate lookup, which are set annually and effective January 1, 2026.

BAH questions Maryland buyers ask

Does BAH count as income for a VA loan?

Yes. Lenders count Basic Allowance for Housing as effective income for VA qualification, and because BAH is non-taxable it carries full weight in the math. The calculator above starts from your actual 2026 rate by base and rank.

What is BAH at Joint Base Andrews in 2026?

$3,132 per month for an E-5 with dependents. Andrews sits in the Washington DC Metro military housing area (DC053), the same MHA and rates as NSA Bethesda / Walter Reed. Fort Meade (MD133) runs $2,901 for an E-5 with dependents, Annapolis $2,928, and Aberdeen $2,478, per the official 2026 DoD tables.

2026 BAH rates from DoD published rates effective Jan 1, 2026. Property tax estimates use 2026 effective rates by Maryland county (state plus local levies). Utility estimates are Maryland-typical ranges (BGE / Pepco / SMECO summer cooling and winter heating); your actual will vary by home size and habits. Funding fee per VA Lenders Handbook 2026, waived for 10%+ disability. Calculator is educational, not a loan commitment. Mike Certo NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender.