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Salt Lake City BAH & Utah VA Loan Calculator

Check your 2026 Salt Lake City BAH (or Hill AFB, Dugway, and Tooele rates), then see what home price it actually covers, including the real Utah heating and cooling costs most estimates skip.

By Mike Certo, NMLS #260555:

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What is the Salt Lake City BAH rate for 2026?

Salt Lake City sits in the Salt Lake military housing area (MHA UT292). In 2026, an E-5 with dependents draws $2,130 a month in BAH there, and an E-6 with dependents draws $2,358. Camp Williams and Tooele Army Depot share the same UT292 rate. Enter your rank and dependent status below to see your exact Salt Lake City BAH and the home price it covers with $0 down.

Your Situation

Your Base & Rank
2026 BAH: $2,118 / month
The Home
Utah heating and cooling costs are real and change what BAH covers, we build them in.
Planning estimate only, your quoted scenario comes with a locked, written figure.
Lehi / Daybreak / Lehi master-planned typically $80-180/mo. Older neighborhoods often $0.

Your Result

Pick your base and rank to see your number.

2026 BAH rates from DoD published rates effective Jan 1, 2026. Property tax estimates use 2026 effective rates by UT county. Utility estimates are Utah-typical ranges (Rocky Mountain Power / Dominion Energy heating and cooling); your actual will vary by home size and habits. Funding fee per VA Lenders Handbook 2026, waived for Veterans receiving or entitled to receive VA disability compensation. Calculator is educational, not a loan commitment. Mike Certo NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender.

Can I use my BAH to qualify before a PCS to Utah?

Yes. VA lenders count Basic Allowance for Housing (BAH) as qualifying income, and active-duty members can often use their gaining-station BAH to get pre-approved before the move. We line this up so you can shop with confidence.

What are the 2026 BAH rates at Hill AFB?

Hill AFB sits in the Ogden/Hill AFB military housing area (UT291): $2,118 per month for an E-5 with dependents in 2026, per the official DoD tables. Salt Lake City, Tooele Army Depot, and Camp Williams share the Salt Lake MHA (UT292) at $2,130 for the same grade, while Dugway Proving Ground prices as a county cost group at $1,890. The calculator above maps your rank and dependent status to the exact figure.

How much is BAH in Utah?

BAH in Utah is set by military housing area, not a single statewide figure. Salt Lake City, Camp Williams, and Tooele Army Depot fall in MHA UT292, where a 2026 E-5 with dependents draws $2,130 a month; Hill AFB sits in UT291 at $2,118. Rates reset every January, so confirm your current amount on the official DoD BAH rate lookup before you set a purchase-price target.

What is the 2026 BAH in Salt Lake City?

The 2026 BAH in Salt Lake City is $2,130 a month for an E-5 with dependents, set under military housing area UT292 (which also covers Camp Williams and Tooele Army Depot). An E-6 with dependents draws $2,358. These rates are effective January 1, 2026, per the DoD DTMO tables; confirm your rank-specific amount before you set a Salt Lake City purchase price.