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Monthly Housing Allowance (MHA) Calculator

by Heidi

Monthly Housing Allowance Calculator (MHA)

Calculate your MHA payments for the housing benefits afforded under the GI Bill.

The MHA calculator should be used by veterans, dependents, National Guard and reserves to calculate housing benefits whereas the Basic Allowance for Housing (BAH) Calculator should be used by active duty service members. Both BAH and MHA benefits are based off the same payment tables but benefit amounts do vary based on different calculations.


MHA Calculator


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MHA rates are for August 1, 2021 through July 31, 2022 school year. Rates will be increased on August 1, 2022.

The Department of Defense adjusts the military BAH rate every calendar year (January 1) based on changes to housing costs across the country. BAH is a housing benefit provided by the Department of Defense whereas MHA is a benefit provided by the Department of Veteran Affairs.

Monthly Housing Allowance (MHA) payments for the GI Bill are based on the military’s Basic Allowance for Housing (BAH) rates for an E-5 with dependents unless attending online or a foreign school.

The basic allowance for housing for online students is half the national average BAH for an E-5 with dependents for student veterans.

Post-9/11 & GI Forever GI Bill (Chapter 33) Payment Rate Exceptions

a
August 1, 2020 - July 31, 2021
Type of SchoolMHA Rate
Foreign School$1,900.00
Schools in US TerritoriesE-5 with dependents Overseas Housing Allowance (OHA) Rate for school location
Exclusively Online Training (No Classroom Instruction)$871.00
Active Duty Trainee (or spouse of servicemember)NOT PAYABLE

How to Use the MHA Calculator

Enter your military status, learning environment (in person, online or hybrid), school ZIP code and Rate of Pursuit (ROP) and view current MHA housing compensation and what-if scenarios such as a school change (e.g. ZIP code change) or payment differences between taking 100% online classes or in-person.

MHA benefits are paid at the nearest 10% level once the training time (e.g. number of credits) is determined. For instance, if your training time is determined to be 78% as calculated above, you will be paid 80% of the applicable housing allowance. If your training time is calculated to be 64% you will be paid 60% of the applicable housing allowance.

The MHA calculator is an estimation of housing benefits under the GI Bill program.

Cumulative Post-9/11 service

The GI Bill provides financial support for education and a housing allowance. To qualify for this program, you must have served after September 10, 2001 for at least 90 days or, if you were discharged with a service-connected disability, for at least 30 days. You also need to have received an honorable discharge.

To be eligible for 100 percent of the benefit, one of the following must be true:

  • You served 36 total months of active duty.
  • You were discharged after Sept. 10, 2001 for a service-connected disability after 30 days of continuous active duty service.

If you served fewer than 36 months, your percentage of benefits ranges from 40 to 90 percent:

  • 90 percent: 30 total months, including active duty in entry level and skill training.
  • 80 percent: 24 total months, including active duty in entry level and skill training.
  • 70 percent: 18 total months, excluding active duty in entry level and skill training.
  • 60 percent: 12 total months, excluding active duty in entry level and skill training.
  • 50 percent: six total months, excluding active duty in entry level and skill training.
  • 40 percent: 90 or more days, excluding active duty in entry level and skill training.

Rate of Pursuit (ROP)

ROP is expressed in a percentage calculated by dividing the number of credits in which the student is enrolled by the number of credits considered to be full time. A student with a rate of pursuit greater than 50% can qualify for the housing allowance.

The VA considers the following when calculating Rate of Pursuit (ROP) in the benefit estimation:

  • Full time students are taking 12 credits per term
  • 3/4 time students are taking 9 credits per term; the calculator uses .8 to determine the amount due
  • More than half-time students are taking 7-8 credits per term; the calculator uses .6 to determine the amount due
  • Less than half-time students are taking 1-6 credits per term; the calculator uses .5 to determine the amount due
  • Students are not enrolling in the summer term

Rates are rounded to the nearest dollar when calculating the monthly housing allowance.

MHA/BAH E5 with Dependents Rates by Location

StateMHA NameE05
AKKetchikan$1,944
AKSitka$2,265
AKJuneau$2,454
AKKodiak Island$1,950
AKAnchorage$2,067
AKFairbanks$1,977
ALAnniston/Fort Mcclellan$858
ALFort Rucker$1,113
ALHuntsville$1,236
ALMobile$1,374
ALMontgomery$1,248
ALAuburn$1,182
ALBirmingham$1,530
ARLittle Rock$1,326
ARFort Chaffee/Fort Smith$840
ARFayetteville$1,047
AZPhoenix$1,698
AZFort Huachuca$1,011
AZDavis-Monthan AFB$1,425
AZYuma$1,008
CAOakland$3,243
CASan Francisco$4,614
CAChina Lake$984
CAFresno$1,539
CALemoore NAS$1,506
CACamp Pendleton$2,589
CAVentura$2,586
CAVandenberg AFB$2,094
CAMarin/Sonoma$3,234
CABarstow/Fort Irwin$1,359
CASan Bernardino$2,370
CATwenty Nine Palms MCB$1,038
CABeale AFB$2,115
CASacramento$2,289
CAStockton$1,917
CAVallejo/Travis AFB$2,736
CALos Angeles$3,114
CASan Diego$2,850
CAMonterey$2,508
CARiverside$2,268
CAHumboldt County$1,446
CASanta Clara County$4,122
CASan Luis Obispo$1,998
CABridgeport$1,218
CAEl Centro$1,254
CAEdwards AFB/Palmdale$1,911
CODenver$2,208
COColorado Springs$1,839
COFort Collins$1,740
COBoulder$2,010
CTNew London$1,608
CTHartford$1,956
CTNew Haven/Fairfield$2,901
DCWashington$2,352
DEDover AFB/Rehoboth$1,536
FLEglin AFB$1,536
FLGainesville$1,431
FLJacksonville$1,641
FLPatrick AFB$1,761
FLMiami/Fort Lauderdale$2,547
FLOrlando$1,902
FLPanama City$1,794
FLPensacola$1,467
FLTallahassee$1,326
FLTampa$2,097
FLWest Palm Beach$2,349
FLOcala$1,482
FLFlorida Keys$2,976
FLVolusia County$1,698
FLFort Pierce$1,710
FLFt Myers Bch$1,692
GAAtlanta$2,262
GAAlbany$960
GAFort Gordon$1,305
GAKings Bay/Brunswick$1,284
GAFort Benning$1,212
GARobins AFB$1,320
GASavannah$1,566
GADahlonega$1,332
GAFort Stewart$1,434
GAMoody AFB$1,068
HIMaui County$2,844
HIHonolulu County$2,913
HIHawaii County$2,346
HIKauai County$2,379
IADes Moines$1,398
IDBoise$1,236
IDMountain Home AFB$1,356
ILChampaign/Urbana$1,020
ILRock Island$1,617
ILPeoria$1,323
ILGreat Lakes Navtracen$1,722
ILScott AFB$1,173
ILChicago$2,142
ILSpringfield/Decatur$1,059
INIndianapolis$1,509
INFort Wayne$1,338
INTerre Haute$1,038
INBloomington$1,254
KSFort Riley$1,095
KSWichita/McConnell AFB$1,065
KSFort Leavenworth$1,461
KSTopeka$1,098
KYFort Campbell$1,386
KYLexington$1,308
KYLouisville$1,530
KYFort Knox$966
KYFrankfort$888
KYPaducah$912
LAAlexandria$900
LABaton Rouge$1,542
LAFort Polk$933
LANew Orleans$1,548
LAShreveport/Barksdale AFB$1,428
LALafayette$1,401
LASt Mary And Terrebonne$1,299
LALake Charles$1,503
LAMonroe$951
MANantucket$3,024
MABoston$3,024
MAWorcester$1,878
MAFitchburg$2,115
MACape Cod-Plymouth$2,295
MAEssex Co$2,556
MAHampden County$1,683
MAMartha's Vineyard$2,838
MAHanscom AFB$2,850
MDAberdeen Proving Grounds$1,785
MDAnnapolis$2,169
MDBaltimore$2,154
MDFort Detrick$1,863
MDFort G. G. Meade$2,280
MDIndian Head Navordsta$2,190
MDPatuxent River$1,827
MDOcean City$1,329
MDOxford$1,803
MEBrunswick$1,632
MEPortland$1,983
MECoastal Maine$1,605
MEBangor$1,332
MEKittery / Portsmouth, NH$2,304
MIDetroit$1,797
MIMarquette$1,146
MISault Ste Marie$1,119
MITraverse City$1,467
MIGrand Haven$1,506
MIBattle Creek/Kalamazoo$1,344
MILansing$1,320
MIGrand Rapids$1,662
MIAnn Arbor$2,034
MISaginaw$1,053
MNDuluth$1,536
MNMinneapolis/St Paul$1,728
MOKansas City$1,548
MOSt. Louis$1,641
MOWhiteman AFB$1,041
MOFort Leonard Wood$870
MOSpringfield$936
MOColumbia/Jefferson City$1,095
MOSaint Joseph$900
MSGulfport$1,209
MSColumbus AFB$975
MSJackson$1,407
MSMeridian$972
MSHattiesburg$1,203
MTMalmstrom AFB/Great Fls$927
MTHelena$951
NCOuter Banks$1,668
NCMorehead/Cherry Pt MCAS$1,338
NCCamp Lejeune$1,251
NCCharlotte$1,626
NCDurham/Chapel Hill$1,494
NCElizabeth City$1,509
NCFort Bragg/Pope$1,233
NCSeymour Johnson AFB$1,068
NCGreensboro$1,260
NCRaleigh$1,590
NCWilmington$1,380
NCAsheville$1,602
NDBismarck$1,269
NDFargo$1,152
NDGrand Forks$1,335
NDMinot AFB$1,140
NEOmaha/Offutt AFB$1,422
NELincoln$1,140
NHPortsmouth / Kittery, ME$2,304
NHManchester/Concord$2,184
NJAtlantic City$1,644
NJCape May$1,524
NJFort Monmouth/Earle NWS$2,508
NJPerth Amboy$2,259
NJNorthern New Jersey$2,853
NJTrenton$2,448
NJJB Mcguire-Dix-Lakehurst$2,016
NJCamden / Philadelphia, PA$2,049
NMHolloman AFB/Alamogordo$1,059
NMAlbuquerque/Kirtland AFB$1,404
NMCannon AFB/Clovis$1,032
NMWhite Sands MR/Las Cruces$1,101
NMSanta Fe/Los Alamos$1,518
NVFallon NAS$1,260
NVNellis AFB/Las Vegas$1,632
NVReno/Carson City$1,929
NYBallston Spa/Albany$2,148
NYBuffalo$1,938
NYWest Point$2,247
NYLong Island$3,465
NYNew York City$3,234
NYRochester$1,578
NYRome/Griffiss AFB$1,509
NYSyracuse$1,491
NYFort Drum/Watertown$1,308
NYWestchester County$3,150
NYStaten Island$2,781
OHAkron$1,140
OHCincinnati$1,629
OHCleveland$1,461
OHColumbus$1,257
OHWright-Patterson AFB$1,206
OHToledo$1,527
OHYoungstown$1,068
OKAltus AFB$894
OKVance AFB/Enid$936
OKFort Sill/Lawton$888
OKOklahoma City$1,257
OKTulsa$1,056
ORAstoria$1,506
ORCoos Bay$1,260
ORPortland$2,361
ORSalem$1,524
ORCorvallis$1,653
OREugene$1,656
PACarlisle Barracks$1,539
PAPhiladelphia / Camden, NJ$2,049
PAWillow Grove$2,226
PAPittsburgh$1,830
PAState College$1,395
PAErie$1,158
PAWilkes-Barre/Scranton$1,512
PAAllentown/Bethlehem$1,842
PAJohnstown$897
RINewport$1,995
RIProvidence$2,076
SCBeaufort/Parris Island$1,677
SCCharleston$1,860
SCColumbia/Fort Jackson$1,476
SCGreenville$1,296
SCMyrtle Beach$1,362
SCSumter/Shaw AFB$1,095
SDRapid City/Ellsworth AFB$1,305
SDSioux Falls$1,119
TNChattanooga$1,317
TNKnoxville$1,305
TNMemphis$1,683
TNNAShville$1,953
TNJohnson City/Kingsport$1,011
TXAbilene/Dyess AFB$1,167
TXAustin$2,097
TXBeaumont$1,542
TXCollege Station$1,272
TXCorpus Christi$1,593
TXDallas$1,965
TXLaughlin AFB/Del Rio$1,092
TXEl Paso$1,206
TXBrownsville$1,197
TXHouston$1,692
TXLubbock$1,077
TXGoodfellow AFB$1,221
TXSan Antonio$1,656
TXFort Hood$1,152
TXWichita Fls/Sheppard AFB$1,122
TXFort Worth$1,821
TXWaco$1,209
UTOgden/Hill AFB$1,485
UTSalt Lake City$1,500
UTProvo$1,482
VACharlottesville$1,806
VAQuantico/Woodbridge$1,914
VAHampton/Newport News$1,542
VANorfolk/Portsmouth$1,641
VARichmond/Fort Lee$1,422
VAWarrenton$2,292
VALexington$1,038
VARoanoke$1,176
VADahlgren/Fort Ap Hill$1,689
VTBurlington$1,941
WABremerton$2,007
WAEverett$2,367
WAPort Angeles$1,485
WASeattle$2,748
WASpokane$1,482
WATacoma$1,974
WAWhidbey Island$1,413
WAYakima$1,410
WIMadison$1,656
WIMilwaukee$1,824
WISparta/Fort Mccoy$1,068
WIStevens Point$1,008
WVMorgantown$1,401
WVHuntington$1,293
WVCharleston$1,038
WVEastern Panhandle$1,356
WYCheyenne$1,194

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