2026 published rates · Rates checked October 29, 2026
Hill AFB Housing Allowance 2026: Rates by Rank and Housing Payments
PCSing to Hill Air Force Base? Start with your housing allowance, then compare what a home would actually cost each month. This guide brings together 2026 BAH rates by pay grade, housing-payment scenarios for nearby cities, and answers to common military housing questions.
Your Basic Allowance for Housing generally depends on your permanent duty station, pay grade, and dependency status. Choosing a home in Layton, Clearfield, Ogden, or Syracuse generally does not change the BAH tied to your Hill AFB assignment. Your housing expenses can change considerably.
By Andrew Hasser, Utah Realtor and Air Force retiree · Published October 29, 2026
Quick answer
For permanent duty ZIP 84056, the official 2026 lookup returns the OGDEN/HILL AFB, UT Military Housing Area (UT291). The published 2026 rate for an E-5 is $2,118 per month with dependents and $1,668 per month without dependents. These rates took effect January 1, 2026.
E-4
- With dependents
- $1,932/mo
- Without dependents
- $1,545/mo
E-5
- With dependents
- $2,118/mo
- Without dependents
- $1,668/mo
E-6
- With dependents
- $2,229/mo
- Without dependents
- $1,761/mo
O-3
- With dependents
- $2,361/mo
- Without dependents
- $2,181/mo
2026 published rates for OGDEN/HILL AFB, UT (UT291), effective January 1, 2026. Rates checked October 29, 2026 against the official government lookup. HillAFBPCS.com is an independent relocation resource and is not affiliated with or endorsed by the military or government.
2026 Hill AFB BAH rates by rank
Use your pay grade and dependency status to find the published monthly rate. "With dependents" is a category, not an amount multiplied by your number of children. Your individual entitlement can differ because of rate protection, government quarters, assignment circumstances, or personnel changes. Your servicing finance office can confirm your entitlement.
The rates below are the 2026 published locality rates for the Ogden/Hill AFB Military Housing Area, which covers Hill Air Force Base and surrounding communities in Davis County and Weber County. Officers listed as O-1E, O-2E, and O-3E have their own published rates. Eligibility for those rates is determined by service rules on qualifying prior enlisted or warrant officer service, not by a visitor choosing the higher figure.
Default selection: E-5 with dependents, $2,118/month
| Pay grade | With dependents per month | Without dependents per month |
|---|---|---|
| Enlisted | ||
| E-1 | $1,932 | $1,545 |
| E-2 | $1,932 | $1,545 |
| E-3 | $1,932 | $1,545 |
| E-4 | $1,932 | $1,545 |
| E-5 (selected) | $2,118 | $1,668 |
| E-6 | $2,229 | $1,761 |
| E-7 | $2,271 | $1,935 |
| E-8 | $2,325 | $2,145 |
| E-9 | $2,418 | $2,166 |
| Warrant officer | ||
| W-1 | $2,244 | $1,875 |
| W-2 | $2,295 | $2,142 |
| W-3 | $2,364 | $2,172 |
| W-4 | $2,436 | $2,229 |
| W-5 | $2,538 | $2,283 |
| Officer with qualifying prior enlisted service | ||
| O-1E | $2,277 | $2,115 |
| O-2E | $2,349 | $2,160 |
| O-3E | $2,454 | $2,214 |
| Officer | ||
| O-1 | $2,139 | $1,740 |
| O-2 | $2,226 | $2,058 |
| O-3 | $2,361 | $2,181 |
| O-4 | $2,565 | $2,265 |
| O-5 | $2,715 | $2,292 |
| O-6 | $2,733 | $2,340 |
| O-7Published O-7/O-7+ category | $2,751 | $2,376 |
| O-8Published O-7/O-7+ category | $2,751 | $2,376 |
| O-9Published O-7/O-7+ category | $2,751 | $2,376 |
| O-10Published O-7/O-7+ category | $2,751 | $2,376 |
Source: official DTMO BAH Rate Lookup, calendar year 2026, duty ZIP 84056, Military Housing Area OGDEN/HILL AFB, UT (UT291). Rates effective January 1, 2026, per the Department of War 2026 BAH release. Rates checked October 29, 2026. The official lookup publishes a single O-7/O-7+ category, so O-7 through O-10 show that same published rate. Dollar amounts are monthly published rates, not an individual entitlement.
Compare housing payments near Hill AFB by city
The city you choose changes your housing budget, not generally the BAH for your Hill AFB duty station. Compare the full cost of each property rather than assuming your allowance will cover the mortgage. A lower purchase price can help, but taxes, insurance, HOA dues, repairs, utilities, and commuting also matter.
Layton, Clearfield, Syracuse, and Clinton are in Davis County, while Ogden and Roy are in Weber County. The starting numbers are deliberately identical for every city, so the comparison does not suggest market differences that the inputs cannot support. Enter the price, lender quote, and expenses for actual properties you are considering, and the rows update against the same selected allowance. Each city name links to its community guide.
Compare against this BAH
Default selection: E-5 with dependents, $2,118/month
The same selected BAH, $2,118/month for E-5 with dependents, applies to every city row because the allowance follows your Hill AFB duty station, not the city you choose.
Buying scenarios
Each row shows an approximate payment for a different purchase price, from $350,000 to $600,000, using the same example assumptions: $0 down, a 30-year fixed loan at an illustrative 6.50% annual note rate, $200/month property tax, $125/month homeowners insurance, $0 HOA, and $0 financed funding fee. Each of these is illustrative, not a quote. The 6.50% figure is not a current rate and is a note rate, not an APR. The $0 funding fee assumes an exemption or a fee paid separately; an applicable financed fee increases the loan principal. Zero down does not mean zero closing costs or that every buyer is VA eligible.
Scroll the table sideways to see every column.
| Purchase price | Principal and interest | Taxes + insurance + HOA | Estimated housing payment | Selected BAH | Difference |
|---|---|---|---|---|---|
| $350,000 | $2,212.24 | $325.00 | $2,537.24 | $2,118.00 | $419.24 |
| $400,000 | $2,528.27 | $325.00 | $2,853.27 | $2,118.00 | $735.27 |
| $450,000 | $2,844.31 | $325.00 | $3,169.31 | $2,118.00 | $1,051.31 |
| $500,000 | $3,160.34 | $325.00 | $3,485.34 | $2,118.00 | $1,367.34 |
| $550,000 | $3,476.37 | $325.00 | $3,801.37 | $2,118.00 | $1,683.37 |
| $600,000 | $3,792.41 | $325.00 | $4,117.41 | $2,118.00 | $1,999.41 |
Expanded household housing cost
Utilities and a maintenance reserve are kept separate from principal, interest, taxes, insurance, and HOA dues. They start at $0 and are not included until entered.
| Purchase price | Utilities per month (not included until entered) | Maintenance reserve per month (not included until entered) | Expanded total | Above/below selected BAH |
|---|---|---|---|---|
| $350,000 | $2,537.24 | $419.24 | ||
| $400,000 | $2,853.27 | $735.27 | ||
| $450,000 | $3,169.31 | $1,051.31 | ||
| $500,000 | $3,485.34 | $1,367.34 | ||
| $550,000 | $3,801.37 | $1,683.37 | ||
| $600,000 | $4,117.41 | $1,999.41 |
Edit the buying assumptions
These assumptions apply to every purchase price above. Replace them with your lender's quote and the actual tax, insurance, and HOA figures for homes you are considering.
Renting scenarios
Every city starts with the same sample inputs: $2,000/month rent, $200/month utilities, $25/month renters insurance, and $0 other recurring charges. These are sample inputs, not advertised listings or measured local rents. Enter the figures from a lease you are considering to compare it with your allowance.
Scroll the table sideways to see every column.
| City | Example rent | Utilities + insurance + other charges | Example monthly total | Monthly amount above/below selected BAH |
|---|---|---|---|---|
| LaytonDavis County | $2,000.00 | $225.00 | $2,225.00 | $107.00 |
| ClearfieldDavis County | $2,000.00 | $225.00 | $2,225.00 | $107.00 |
| OgdenWeber County | $2,000.00 | $225.00 | $2,225.00 | $107.00 |
| RoyWeber County | $2,000.00 | $225.00 | $2,225.00 | $107.00 |
| SyracuseDavis County | $2,000.00 | $225.00 | $2,225.00 | $107.00 |
| ClintonDavis County | $2,000.00 | $225.00 | $2,225.00 | $107.00 |
Edit each city's renting inputs
Layton renting inputs
Clearfield renting inputs
Ogden renting inputs
Roy renting inputs
Syracuse renting inputs
Clinton renting inputs
Educational calculator. Your entries stay in this browser tab and are not saved or sent anywhere.
Build a housing budget that works beyond the first PCS month
Start with three steps. First, confirm your allowance and household income. Second, compare complete rental or ownership costs for specific properties. Third, keep room for moving expenses, repairs, and the possibility of another PCS.
BAH is based on rental housing costs and utilities. It is not a mortgage qualification amount or a promise that every home payment will fit. Buying can build equity, but interest, maintenance, transaction costs, price changes, and the length of your assignment affect the result. Renting can offer flexibility when your plans are uncertain. Neither choice wins automatically. If you are weighing renting versus buying when you PCS to Hill AFB, or comparing Boyer Hill and off-base housing options, those guides walk through the tradeoffs in more depth.
For a purchase, compare principal, interest, property taxes, homeowners insurance, HOA dues, utilities, and a maintenance reserve. Ask your lender about closing costs, any VA funding fee, and whether your allowance can be included in qualifying income under the applicable loan rules. For a rental, compare rent, utilities, renters insurance, recurring fees, deposits, and lease terms. When you start narrowing locations, the guides on living in Layton near Hill AFB and evaluating homes in Ogden cover the local questions worth asking before you commit.
Hill AFB housing allowance FAQ
What is the housing allowance for Hill AFB in 2026?
It depends on your pay grade and dependency status. For permanent duty ZIP 84056, which maps to the OGDEN/HILL AFB, UT Military Housing Area (UT291), the published 2026 rate for an E-5 is $2,118 per month with dependents and $1,668 per month without dependents. Across every pay grade and both dependency categories, published 2026 rates for this area run from $1,545 to $2,751 per month. The full table on this page lists every grade, and the official government lookup confirms the published rate for your grade.
Official source: BAH Rate Lookup, Defense Travel Management Office, accessed October 29, 2026.
Does living in Layton, Ogden, or Syracuse change my Hill AFB BAH?
Generally, no. BAH is tied to your permanent duty station, pay grade, and dependency status rather than the city where you choose to live. Your actual rent, mortgage, and commute expenses may differ. Special assignment and entitlement situations should be confirmed with finance.
Official source: Basic Allowance for Housing policy, militarypay.defense.gov, accessed October 29, 2026.
Does BAH increase for each child?
No. BAH distinguishes between with-dependents and without-dependents categories. It does not pay a separate increase for each additional dependent. Finance determines your applicable category.
Official source: BAH Basics FAQ, Defense Travel Management Office, accessed October 29, 2026.
Can I use BAH toward a mortgage near Hill AFB?
BAH can support your household housing budget, including a mortgage. It does not guarantee loan approval or that a specific payment is affordable. A lender must evaluate your income, debts, credit, loan eligibility, and the property.
Will BAH cover my entire mortgage payment?
Not necessarily. Compare your allowance with principal, interest, taxes, insurance, and HOA dues, then budget separately for utilities, maintenance, and other household expenses. The city calculator shows a scenario, not a lender approval.
Is BAH taxable?
BAH is generally excluded from federal taxable income. It is an allowance rather than basic pay. Check the official military compensation guidance and seek advice for unusual tax circumstances.
Official source: Basic Allowance for Housing, militarypay.defense.gov, accessed October 29, 2026.
Why is my LES amount different from this table?
The table shows published locality rates. Individual rate protection, partial months, dependency or personnel changes, government quarters, and assignment-specific rules can affect your entitlement. Your servicing finance office can reconcile your LES with your records.
Official source: BAH Rate Changes and Rate Protection FAQ, Defense Travel Management Office, accessed October 29, 2026.
What happens if published BAH rates go down?
Individual rate protection generally prevents a lower payment while eligibility remains unchanged. A PCS, reduction in pay grade, or change in dependency status can affect protection. Confirm the rule that applies to your situation with finance.
Official source: BAH Rate Changes and Rate Protection FAQ, Defense Travel Management Office, accessed October 29, 2026.
How does on-base housing affect my BAH?
Government quarters and privatized military housing have different arrangements. Do not assume every on-base option has the same BAH treatment. Review the housing provider's current lease, rent/allotment terms, included utilities, and any additional charges with the housing office before comparing it with off-base housing.
Official source: BAH Basics FAQ, Defense Travel Management Office, accessed October 29, 2026.
Should I rent or buy if my assignment may be short?
Compare expected assignment length, upfront costs, maintenance, selling costs, and your plans if orders change. A short stay can make transaction costs especially important. BAH alone does not establish that buying is the better choice.
Does the city comparison show current local prices or loan offers?
No. It starts with clearly labeled hypothetical inputs you can change. It does not represent city medians, active listings, a mortgage offer, or a prediction of your payment. Replace the inputs with actual property costs and lender quotes when evaluating a home.
Where can I verify my official Hill AFB BAH?
Use the official government BAH lookup with the appropriate calendar year, permanent duty station ZIP, and pay grade. For an individual entitlement question, contact your servicing finance office.
Official source: BAH Rate Lookup, Defense Travel Management Office, accessed October 29, 2026.
Get a property-specific housing comparison
People work with Andrew because he combines firsthand military experience with practical Northern Utah housing guidance. As an Air Force retiree and Utah Realtor with Iconic Realty Network, Andrew Hasser helps military members and families compare housing options around Hill AFB with their next move in mind.
Would it be a bad idea to compare a few actual homes against your allowance before you decide where to live? Call or text Andrew at 435-626-4594, or request a Hill AFB housing consultation.
HillAFBPCS.com is an independent relocation resource. It is not affiliated with, endorsed by, or sponsored by Hill Air Force Base, the U.S. Air Force, the Department of War, or any government agency.
Official sources and comparison methodology
This page uses two different kinds of information. The rate table, quick answer, and FAQ figures come from official 2026 government data for permanent duty ZIP 84056, which the official lookup maps to the OGDEN/HILL AFB, UT Military Housing Area (UT291). The rates took effect January 1, 2026 and were checked on October 29, 2026. No 2026 in-year update affecting this housing area was found. The city comparison is a separate, user-editable educational example that does not come from government data or local market statistics.
Government sources
- BAH Rate Lookup, Defense Travel Management Office. Rates for every pay grade were read from the official lookup results for calendar year 2026 and ZIP 84056, for example the E-5 lookup result. Accessed October 29, 2026.
- Department of War Releases 2026 Basic Allowance for Housing Rates, published December 11, 2025, confirming the January 1, 2026 effective date. Accessed October 29, 2026.
- Temporary BAH Increase for Abilene/Dyess AFB, the only 2026 in-year rate change found. It applies to the Abilene, Texas housing area, not Ogden/Hill AFB. Accessed October 29, 2026.
- 2026 BAH Component Breakdown, which lists UT291 at 88% rent and 12% utilities. Accessed October 29, 2026.
- Basic Allowance for Housing policy, militarypay.defense.gov, covering dependency categories and individual rate protection. Accessed October 29, 2026.
- Basic Allowance for Housing, militarypay.defense.gov, covering how BAH is calculated and its treatment as a non-taxable allowance. Accessed October 29, 2026.
- BAH Basics FAQ, Defense Travel Management Office. Accessed October 29, 2026.
- BAH Rate Changes and Rate Protection FAQ, Defense Travel Management Office. Accessed October 29, 2026.
How the comparison is calculated
Loan principal equals the price, minus the down payment, plus any financed funding fee. The monthly rate is the annual note rate divided by 12, and the number of payments is the loan term in years times 12. Principal and interest equal principal × r ÷ (1 − (1 + r)^−n), or principal ÷ n when the rate is zero. The estimated housing payment adds the monthly property tax, homeowners insurance, and HOA entries. The gap equals the housing cost minus the selected BAH, so a positive figure is shown as above BAH and a negative figure as below BAH. Figures are calculated at full precision and rounded only for display.
The calculator is educational. It uses a note rate, which is not an APR, and it excludes closing costs, prepaid items, mortgage insurance, rate buydowns, moving expenses, commuting, and anything you do not enter. Utilities and a maintenance reserve appear only in the expanded total and only after you enter them. The comparison does not use listing data and does not represent city medians, active listings, a mortgage offer, or a prediction of your payment. Inputs stay in your browser and are not saved.
This page covers 2026 only. When 2027 rates are published, they will appear on their own year-specific page after verification, and these 2026 figures will remain here for reference.