Official 2026 rates checked August 25, 2026 · MHA VA296 — Quantico/Woodbridge, Virginia.
Use this page in two steps: confirm your official monthly BAH, then test what that housing budget could support under an editable VA-loan scenario. The result is an educational estimate—not a preapproval, appraisal, rate quote, or promise that a seller will pay closing costs.
2026 Quantico BAH rates
Monthly rates below come from the official Department of Defense BAH lookup for Quantico ZIP 22134. “With dependents” does not change with the number of dependents.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,730/mo$32,760/yr | $2,109/mo$25,308/yr |
| E-2 | $2,730/mo$32,760/yr | $2,109/mo$25,308/yr |
| E-3 | $2,730/mo$32,760/yr | $2,109/mo$25,308/yr |
| E-4 | $2,730/mo$32,760/yr | $2,109/mo$25,308/yr |
| E-5 | $2,955/mo$35,460/yr | $2,361/mo$28,332/yr |
| E-6 | $3,174/mo$38,088/yr | $2,523/mo$30,276/yr |
| E-7 | $3,228/mo$38,736/yr | $2,739/mo$32,868/yr |
| E-8 | $3,288/mo$39,456/yr | $3,006/mo$36,072/yr |
| E-9 | $3,444/mo$41,328/yr | $3,060/mo$36,720/yr |
| W-1 | $3,192/mo$38,304/yr | $2,661/mo$31,932/yr |
| W-2 | $3,252/mo$39,024/yr | $3,003/mo$36,036/yr |
| W-3 | $3,330/mo$39,960/yr | $3,072/mo$36,864/yr |
| W-4 | $3,489/mo$41,868/yr | $3,180/mo$38,160/yr |
| W-5 | $3,687/mo$44,244/yr | $3,240/mo$38,880/yr |
| O-1E | $3,234/mo$38,808/yr | $2,952/mo$35,424/yr |
| O-2E | $3,315/mo$39,780/yr | $3,048/mo$36,576/yr |
| O-3E | $3,519/mo$42,228/yr | $3,165/mo$37,980/yr |
| O-1 | $2,991/mo$35,892/yr | $2,499/mo$29,988/yr |
| O-2 | $3,171/mo$38,052/yr | $2,883/mo$34,596/yr |
| O-3 | $3,327/mo$39,924/yr | $3,090/mo$37,080/yr |
| O-4 | $3,753/mo$45,036/yr | $3,222/mo$38,664/yr |
| O-5 | $4,065/mo$48,780/yr | $3,252/mo$39,024/yr |
| O-6 | $4,098/mo$49,176/yr | $3,306/mo$39,672/yr |
| O-7/O-7+ | $4,128/mo$49,536/yr | $3,363/mo$40,356/yr |
Source: official Department of Defense BAH Rate Lookup. Reconfirm your rate before making a financial decision.
Estimate what your housing budget could support
Select a rate, then edit every assumption. The default scenario uses zero down, a financed 2.15% VA funding fee, and seller-paid closing costs.
Based on the selected monthly housing budget.
For informational purposes only. This illustration assumes a 30-year fixed loan and excludes utilities, maintenance, other debts, credit requirements, residual-income analysis, lender overlays, appraisal limits, mortgage-rate changes, and any funding-fee tier other than the entered assumption. It cannot determine affordability or eligibility. Ask a licensed mortgage professional for a complete, personalized loan estimate and consult a qualified financial professional for broader financial guidance.
What this estimate does—and does not—mean
Zero down
Eligible VA borrowers may be able to finance 100% of the appraised value, subject to entitlement, lender approval, appraisal, and property eligibility. Zero down does not mean zero cash in every transaction. Review the official VA purchase-loan overview.
Seller-paid closing costs
The default planning scenario assumes an accepted contract with allowable seller-paid costs. Whether a seller agrees depends on the offer, market, property, and loan rules. A credit cannot exceed permitted or actual costs.
BAH versus qualification
BAH is one source of household income. A lender evaluates total qualifying income, debts, credit, residual income, eligibility, cash, and the property—not only the allowance.
Use a range
Change the interest rate, taxes, insurance, HOA, and extra budget. A range is more useful than a single optimistic result, especially when comparing corridors and property types.
Quantico BAH questions
What MHA is Quantico?
The official 2026 DoD lookup maps Quantico ZIP 22134 to VA296, Quantico/Woodbridge, VA.
Does BAH change based on how many dependents I have?
No. The rate category is with dependents or without dependents; the number of dependents does not create additional tiers.
Can I use all of my BAH for a mortgage payment?
You can test that scenario, but it may leave no room for utilities, maintenance, repairs, or other housing costs. Your personal budget and lender qualification may support a different amount.
Does zero down mean I need no cash to buy?
Not necessarily. Closing costs, prepaid expenses, inspections, deposits, appraisal gaps, moving costs, and reserves can still require cash. Seller credits must be negotiated and follow loan rules.
Are these rates the same as Fort Belvoir or the Pentagon?
Not necessarily. BAH is based on the assigned duty station’s military housing area, pay grade, and dependency status. Confirm the correct duty-station MHA rather than selecting a nearby ZIP based on where you want to live.
Turn the estimate into a route-aware housing plan
Use the PCS guide to compare commute corridors, then speak with a qualified lender before treating any estimate as a price range.
Read the Quantico PCS guide
Start your Quantico home-search plan
Ask a BAH question
