Real DoD 2026 BAH rates for all 7 Illinois Military Housing Areas, broken down by pay grade and dependency status.
Illinois has 7 Military Housing Areas (MHAs) covering every duty location with at least one DoD installation in the state. Rates below are pulled from the official Defense Travel Management Office (DTMO) 2026 tables, effective January 1, 2026, and reflect the across-the-board 4.2% national average increase plus location-specific rental-market adjustments.
The highest 2026 E-5-with-dependents BAH in Illinois is $3,438/month in Chicago, Il, while the lowest is $1,527/month in Springfield/Decatur, Il — a 125% spread that reflects how dramatically housing markets vary even within the same state. PCSing within Illinois can change your housing budget by hundreds of dollars per month, so always re-run your BAH the moment your orders drop.
Below is every Illinois Military Housing Area with 2026 BAH rates for the most-searched pay grades. Rates show with dependents / without dependents. For grades not shown (E-2, E-3, W-1, W-3, W-4, W-5, O-2, O-7), use the main BAH calculator with your duty ZIP.
| Military Housing Area | E-1 with / no dep | E-5 with / no dep | E-7 with / no dep | W-2 with / no dep | O-1 with / no dep | O-3 with / no dep | O-5 with / no dep |
|---|---|---|---|---|---|---|---|
| Chicago, Il | $3,174 / $2,415 | $3,438 / $2,736 | $3,723 / $3,186 | $3,729 / $3,495 | $3,477 / $2,907 | $3,738 / $3,603 | $4,086 / $3,711 |
| Great Lakes Navtracen, Il | $2,202 / $1,653 | $2,427 / $1,854 | $2,853 / $2,211 | $2,895 / $2,496 | $2,475 / $1,977 | $3,018 / $2,637 | $3,645 / $2,907 |
| Rock Island, Il | $1,722 / $1,389 | $1,908 / $1,476 | $2,262 / $1,728 | $2,268 / $1,977 | $1,956 / $1,533 | $2,298 / $2,118 | $2,868 / $2,265 |
| Peoria, Il | $1,506 / $1,131 | $1,572 / $1,311 | $1,926 / $1,503 | $1,953 / $1,632 | $1,614 / $1,434 | $2,040 / $1,752 | $2,463 / $1,956 |
| Scott Afb, Il | $1,536 / $1,233 | $1,542 / $1,422 | $2,076 / $1,557 | $2,109 / $1,635 | $1,602 / $1,527 | $2,208 / $1,830 | $2,928 / $2,196 |
| Champaign/Urbana, Il | $1,467 / $1,230 | $1,539 / $1,329 | $2,034 / $1,527 | $2,058 / $1,629 | $1,599 / $1,392 | $2,127 / $1,818 | $2,820 / $2,115 |
| Springfield/Decatur, Il | $1,356 / $1,119 | $1,527 / $1,152 | $1,887 / $1,416 | $1,917 / $1,590 | $1,572 / $1,182 | $2,001 / $1,713 | $2,412 / $1,920 |
Source: 2026 DoD BAH tables published by the Defense Travel Management Office (DTMO), effective January 1, 2026. Verify your exact rate by ZIP code at defensetravel.dod.mil.
BAH (Basic Allowance for Housing) is a non-taxable monthly stipend paid to service members who do not live in government quarters. The rate is set by your duty-station ZIP code (mapped to a Military Housing Area), your pay grade, and your dependency status (with or without dependents). The amount is calibrated annually to cover the median rental cost — including utilities and renter's insurance — for the housing profile assigned to your rank in your area.
Illinois hosts 3 active-duty installations that drive most of the state's BAH demand. Each has its own MHA assignment, so rates near each base reflect that local rental market — not a state average.
If your duty station isn't in the table above, use the BAH calculator with your duty ZIP — DTMO maps each ZIP to its parent MHA automatically.
Illinois fully exempts active-duty military pay from state income tax.
Illinois exempts 100% of compensation paid for active service in the U.S. Armed Forces from Illinois income tax. The exemption is taken as a subtraction on Schedule M of Form IL-1040. Reserve and National Guard pay for federally activated drill and AT also qualifies. Military retirement and SBP payments are also fully excluded from Illinois taxable income.
This is general information, not tax advice. State tax law changes frequently — verify your current-year situation with the Illinois Department of Revenue (or equivalent), the IRS, or a qualified tax professional. Service members claiming residency in a different state under the Servicemembers Civil Relief Act (SCRA) are taxed only by their state of legal residence, regardless of where they're stationed. Civilian-spouse income protections under the Military Spouse Residency Relief Act (MSRRA) may also apply.
The top 5 most-expensive Illinois Military Housing Areas by 2026 E-5-with-dependents BAH:
E-5: $3,438 with / $2,736 without dependents · E-7: $3,723 / $3,186 · O-3: $3,738 / $3,603
E-5: $2,427 with / $1,854 without dependents · E-7: $2,853 / $2,211 · O-3: $3,018 / $2,637
E-5: $1,908 with / $1,476 without dependents · E-7: $2,262 / $1,728 · O-3: $2,298 / $2,118
E-5: $1,572 with / $1,311 without dependents · E-7: $1,926 / $1,503 · O-3: $2,040 / $1,752
E-5: $1,542 with / $1,422 without dependents · E-7: $2,076 / $1,557 · O-3: $2,208 / $1,830
If you have flexibility on duty-station preferences during your next assignment cycle, these areas pay the highest housing allowance — but housing supply is also the tightest, so rate alone shouldn't drive the decision.
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