BAH Calculator 2026: Basic Allowance for Housing by Location
BAH Calculator 2026: Basic Allowance for Housing by Location TL;DR: 2026 BAH rates increased an average of 4.2% nationwide, effective January 1. Use the calculator
Army Base Guide
TL;DR: Aberdeen Proving Ground (APG) in Harford County, Maryland is one of the Army’s most mission-critical installations — and one of the most underrated PCS destinations on the East Coast. This guide covers 2026 BAH rates, school zone breakdowns, housing options, and everything else you need before your report date.
If your orders say Aberdeen Proving Ground, you’re headed somewhere genuinely worth knowing about. APG sits on the shores of the Chesapeake Bay in northeastern Maryland, about 23 miles northeast of Baltimore. Moreover, it punches well above its weight in career opportunity, family quality of life, and weekend adventures. Whether you’re picking up a CECOM assignment or landing at ATEC, this guide delivers the real picture: BAH rates, schools, housing, healthcare, and the honest tips that only come from families who’ve lived it.
Specifically, join the Aberdeen Proving Ground PCS Pay-It-Forward® Facebook group before you even start house-hunting — it’s the fastest way to get current intel from families already stationed here.
Ready to plan your APG move? Start your personalized PCS Plan© and get a clear roadmap for housing, schools, and neighborhoods before your report date.
Your BAH for APG is set by MHA (Military Housing Area) code MD127, Aberdeen Proving Grounds. Notably, the 2026 rates increased 4.4% from 2025, and APG ranks 19th highest out of all Army bases nationwide for BAH. That’s good news for your housing budget, whether you’re renting or buying.
Use the DoD DTMO BAH calculator to pull your exact rate by ZIP code — use 21005 for APG North or 21001 for Edgewood/APG South. The tables below give you the quick reference by pay grade and dependency status.
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 through E-4 | $2,268/mo | $1,875/mo |
| E-5 | $2,478/mo | $1,986/mo |
| E-6 | $2,742/mo | $2,076/mo |
| E-7 | $2,862/mo | $2,274/mo |
| E-8 | $2,991/mo | $2,538/mo |
| E-9 | $3,165/mo | $2,607/mo |
| Grade | With Dependents | Without Dependents |
|---|---|---|
| W-1 | $2,760/mo | $2,205/mo |
| W-2 | $2,916/mo | $2,535/mo |
| W-3 | $3,075/mo | $2,619/mo |
| W-4 | $3,198/mo | $2,766/mo |
| W-5 | $3,348/mo | $2,892/mo |
| Grade | With Dependents | Without Dependents |
|---|---|---|
| O-1 | $2,517/mo | $2,055/mo |
| O-2 | $2,739/mo | $2,412/mo |
| O-3 | $3,072/mo | $2,643/mo |
| O-4 | $3,396/mo | $2,865/mo |
| O-5 | $3,630/mo | $2,934/mo |
| O-6 | $3,660/mo | $3,054/mo |
| O-1E / O-2E / O-3E rates are slightly higher — confirm via DTMO. | ||
Important: Soldiers with dependents receive approximately 24.3% more BAH than those without. On-post housing families typically sign their BAH over to Corvias — consequently, rent is covered and utilities are included depending on your plan. For deeper rate context, see the 2026 BAH rates guide and the 2026 military pay charts.
On-post family housing is managed by Corvias Military Living, which maintains approximately 1,006 family housing units across four distinct neighborhoods. Specifically, all ranks have access, though wait times vary by rank and bedroom requirement. Apply early — popular communities fill quickly.
Corvias Leasing & Community Management Office
Address: 6283 Demby Drive, Aberdeen Proving Ground, MD 21005
Phone: (410) 305-1076
Website: apg.corviaspm.com
Plum Point — The most sought-after community, featuring historic homes and cottages with Chesapeake Bay views. Renovated interiors with modern amenities. Primarily field-grade officers, senior officers, and general officers. Apply early because these go fast.
Bayside — 210 CGO, senior NCO, and junior NCO townhome-style homes with fenced yards and garages. Walking distance to the Community Center, pools, and the Child Development Center. Additionally, this neighborhood works especially well for families with young children.
Patriot Village — Junior enlisted and NCO homes with a strong community feel and close access to base amenities. Moreover, families here consistently praise the neighborhood’s tight-knit culture.
Edgewood — Located on APG South (the Edgewood Area), serving families assigned to the southern portion of the installation. Note that Edgewood Area families fall under different school zones — see the Schools section below.
All Corvias communities include four resort-style swimming pools, five community centers, 24-hour emergency maintenance, pet-friendly policies, no security deposit, no credit check, and washer/dryer connections. Additionally, solar panels on post generate 100% of residential power — a genuinely nice bonus.
Housing Office (wait lists and referrals):
Address: 2727 Chesapeake Blvd, Aberdeen, MD 21005
Phone: (410) 306-2002 | (410) 306-2011 | (410) 306-2003
Unaccompanied Housing (E1–E5 single soldiers):
Address: 2727 Chesapeake Blvd, Aberdeen, MD 21005
Phone: (410) 306-3074
Single soldiers ranked E1–E5 are typically required to live on post in the barracks.
Harford County’s cost of living runs about 7.91% above the U.S. average — not cheap, but significantly more affordable than the DC metro corridor. Furthermore, the quality-of-life trade-off is worth it for most families. However, a few real-talk tips before you sign a lease:
Aberdeen — Just outside the Main Gate. Small-town waterfront feel, affordable rents, and a tight community vibe. Overall, it’s a strong option for E-4 through E-6 families.
Havre de Grace — A charming waterfront town 10–15 minutes from Main Post. Notably, it offers excellent schools, the scenic Promenade, local restaurants, and a strong sense of history. One of the most beloved family towns in Maryland.
Bel Air — The area’s hub for shopping and dining. Strong schools, excellent restaurants, easy access to I-95. Specifically, it’s popular with O-3+ and senior NCO families. Home prices run higher than Aberdeen, but long-term value is solid.
Edgewood — Close to the APG South gate. Convenient for APG South assignments, more affordable pricing, and quieter neighborhoods overall.
Perryville / North East — Further north, near the Pennsylvania border. Very quiet, lower cost of living, and quick I-95 access. However, you’ll commute a bit farther in exchange for the savings.
Thinking about buying? Your VA Home Loan benefit can get you into a home with no down payment and competitive interest rates. Learn how it works →
APG families are served by Harford County Public Schools (HCPS), one of Maryland’s stronger districts. HCPS is ranked 9th in the state for academic performance, holds #3 in Maryland for Best Teachers (Niche 2025 rankings), and maintains a student-teacher ratio of 14:1. However, school quality varies by specific school — and the APG North vs. APG South distinction matters a great deal for families choosing where to live. Specifically, your zone depends on which part of the installation your unit is assigned to.
| Level | School |
|---|---|
| Elementary | Roye-Williams Elementary School |
| Middle | Aberdeen Middle School |
| High School | Aberdeen High School |
Aberdeen High School is ranked 108th in Maryland by U.S. News. Notably, it hosts the Science and Mathematics Academy — a strong magnet program for STEM-focused students — along with a well-regarded music and band program.
| Level | School |
|---|---|
| Elementary | Edgewood Elementary School |
| Middle | Edgewood Middle School |
| High School | Edgewood High School |
Edgewood High School offers an International Baccalaureate (IB) Diploma Programme — one of only a few IB programs in the county. As a result, families with college-bound high schoolers assigned to APG South are in a strong academic position.
Two Child Development Centers (CDCs) on post serve children ages 6 weeks to 6 years. Full-day and hourly programs, pre-K, and before/after-school options are available at both locations.
Youth Services programs serve middle and high schoolers with before/after-school, evening, and weekend programming.
Primary care on post is provided through Kirk Army Health Clinic, which offers primary care, preventive medicine, women’s health, mental health, lab, radiology, physical therapy, pharmacy, dental, and vision services. Specifically, appointments and referrals are managed through the MHS GENESIS patient portal at kirkc.tricare.mil. Enrolling as soon as you arrive saves significant time down the road.
For TRICARE enrollment and regional network providers, visit tricare.mil or contact Military OneSource at 1-800-342-9647. In addition, your unit’s medical readiness NCO can help point you toward the right clinic for your assignment area.
Save this directory before you arrive. Indeed, having these numbers handy on in-processing day makes a significant difference.
| Service | Phone Number |
|---|---|
| Base Operator | (410) 278-5201 |
| Housing Office | (410) 306-2002 |
| Corvias Military Living | (410) 305-1076 |
| Army Community Service (ACS) | (410) 278-7572 |
| Commissary (APG North) | (410) 278-3101 |
| Exchange (Main) | (410) 272-6828 |
| Aberdeen Area CDC | (410) 278-5748 |
| Edgewood Area CDC | (410) 463-2692 |
| Aberdeen Area Youth Services | (410) 278-9061 |
| Edgewood Area Youth Services | (410) 436-2862 |
| Dental Clinic (APG North) | (410) 278-1795 |
| Dental Clinic (APG South) | (410) 436-3481 |
| MFLC Counseling | (443) 206-3266 |
| National Domestic Violence Hotline | 1-800-799-7233 |
MWR programs at APG include arts and crafts, auto hobby, bowling, golf, gym, tennis, swimming, fishing, stables, a theater, and outdoor recreation. Visit aberdeen.armymwr.com for current hours and events. Additionally, financial institutions on post include APG Federal Credit Union and Bank of America Military Bank.
Need help organizing your move? The PCS Toolkit has checklists, shipment timelines, and everything you need. And if you’re doing a DITY/PPM move, the full DITY move guide can save you real money.
APG has two main areas — APG North (Main Post) and APG South (Edgewood Area) — and your unit assignment determines which gates you’ll use most. Knowing the gate hours in advance prevents surprises on your first day.
Non-DoD ID cardholders over 18 must pre-register for access online at pass.aie.army.mil/apg or in person at the Visitor Center at the MD 715 gate. Register before the visit — same-day walk-up access for events is not guaranteed. Specifically, all individuals in the vehicle over age 18 must have a pass.
When you arrive, your first stop is in-processing. Bring your orders, medical records, and any dependent documents. Army Community Service (ACS) at (410) 278-7572 offers newcomer orientation sessions and can connect you with housing, childcare, and employment resources. Moreover, the PCS binder checklist helps you keep all documents organized before in-processing day.
Established in 1917, APG is one of the Army’s oldest and most important research and testing installations. Today it’s home to more than 70 tenant organizations, including:
That combination of science, engineering, testing, and operational units creates a uniquely collaborative environment. You’ll work alongside civilians, contractors, and soldiers from every branch — often on long-term programs that bring career stability and professional depth that’s hard to find at other installations. Furthermore, the diversity of missions means APG tends to offer strong retention and promotion opportunities for technical MOS soldiers.
One of the genuinely great things about APG is your access to everything. Indeed, within an easy drive you have:
Many APG families choose to buy because Harford County has a stable housing market, strong long-term appreciation, and real potential for rental income after reassignment. Specifically, your VA Home Loan benefit makes ownership more accessible than you might think — no down payment, no PMI, and competitive rates.
A few things to know before you buy near APG:
Additionally, review the PCS tax write-off guide before you file — there are moving deductions many families miss. Your PCS Pay-It-Forward® network can connect you with trusted real estate agents and VA-approved lenders who specialize in military families. Learn more about your VA Home Loan benefit →
The Aberdeen Proving Ground PCS Pay-It-Forward® Facebook group is your best resource for real answers from families already at APG. Specifically, you can ask about the best neighborhoods for your family’s needs, which schools families love, or where to find the best crab cakes in Havre de Grace. The community is active, welcoming, and genuinely helpful.
Use the PCS Toolkit for checklists, timelines, and moving tips. Additionally, when you’re ready to map out your entire move, the PCS Plan© walks you through every step with personalized Ambassador support — for free.
The 2026 BAH rate for an E-5 with dependents at APG is $2,478 per month. Rates increased 4.4% from 2025. Use the DoD DTMO calculator with ZIP code 21005 to pull your exact rate by grade and dependency status.
Corvias Military Living manages four on-post communities: Plum Point (historic Bay-view homes, primarily field-grade/senior officers), Bayside (townhomes for CGOs and NCOs), Patriot Village (junior enlisted and NCOs), and Edgewood (APG South). All include pools, community centers, and 24-hour maintenance. Specifically, call Corvias at (410) 305-1076 to apply or check wait times.
APG North families (Main Post) attend Roye-Williams Elementary, Aberdeen Middle School, and Aberdeen High School. In contrast, APG South/Edgewood Area families attend Edgewood Elementary, Edgewood Middle School, and Edgewood High School — which offers an IB Diploma Programme. All schools fall under Harford County Public Schools, ranked 9th in Maryland.
Kirk Army Health Clinic is the primary care facility serving APG service members and families. Specifically, it offers primary care, women’s health, mental health, lab and radiology, pharmacy, dental, vision, and specialty care. Appointments are managed through the MHS GENESIS portal at kirkc.tricare.mil.
The APG Housing Office can be reached at (410) 306-2002. For Corvias on-post housing inquiries specifically, call (410) 305-1076.
Yes. APG has two Child Development Centers: the Aberdeen Area CDC at (410) 278-5748 and the Edgewood Area CDC at (410) 463-2692. Additionally, programs serve children from 6 weeks to 6 years with full-day and hourly options, plus pre-K and before/after-school care.
The most popular areas for military families are Bel Air (excellent schools, great amenities), Havre de Grace (charming waterfront community), Aberdeen (close to the gate, affordable), and Edgewood (convenient for APG South assignments). However, note that Harford County’s cost of living is about 7.91% above the U.S. average — though it’s substantially more affordable than the DC metro area.
Many APG families choose to buy because the Harford County market is stable with solid long-term appreciation, and VA loans allow zero down payment with no PMI. Notably, your BAH may cover most of your mortgage payment depending on your grade. Visit the VA Home Loan guide to see exactly how it works and how to get started.
At APG North, the MD 715 (Maryland Boulevard) Main Gate is open 24/7, 365 days a year for all DoD and Federal ID cardholders. However, the MD 22 (Harford Boulevard) gate only operates from 5 a.m. to midnight for DoD/Federal ID holders. The Visitor Control Center at MD 715 runs Monday–Friday, 6 a.m. to 6 p.m., and is closed weekends and holidays. Non-DoD visitors must pre-register at pass.aie.army.mil/apg.
APG is home to more than 70 tenant organizations. Specifically, these include CECOM (U.S. Army Communications-Electronics Command), ATEC (Test and Evaluation Command), DEVCOM (Combat Capabilities Development Command), and the 20th CBRNE Command, among many others.
Start your PCS Plan© now — even small planning steps taken early make a significant difference on move-in day.
BAH Calculator 2026: Basic Allowance for Housing by Location TL;DR: 2026 BAH rates increased an average of 4.2% nationwide, effective January 1. Use the calculator
Start Your Free Pay it Forward PCS Plan™— Personalized Support for Your Next Military Move Your Next PCS Shouldn’t Be a Guessing Game Orders drop
This guide covers everything military families need to know about the VA home loan benefit — eligibility, how BAH counts as qualifying income, the four VA loan types (including IRRRL for refinancing a higher rate), funding fees, and how to use your benefit more than once when you PCS.
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