
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 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 School | MHA Rate | |
Foreign School | $1,900.00 | |
Schools in US Territories | E-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
State | MHA Name | E05 |
---|---|---|
AK | Ketchikan | $1,944 |
AK | Sitka | $2,265 |
AK | Juneau | $2,454 |
AK | Kodiak Island | $1,950 |
AK | Anchorage | $2,067 |
AK | Fairbanks | $1,977 |
AL | Anniston/Fort Mcclellan | $858 |
AL | Fort Rucker | $1,113 |
AL | Huntsville | $1,236 |
AL | Mobile | $1,374 |
AL | Montgomery | $1,248 |
AL | Auburn | $1,182 |
AL | Birmingham | $1,530 |
AR | Little Rock | $1,326 |
AR | Fort Chaffee/Fort Smith | $840 |
AR | Fayetteville | $1,047 |
AZ | Phoenix | $1,698 |
AZ | Fort Huachuca | $1,011 |
AZ | Davis-Monthan AFB | $1,425 |
AZ | Yuma | $1,008 |
CA | Oakland | $3,243 |
CA | San Francisco | $4,614 |
CA | China Lake | $984 |
CA | Fresno | $1,539 |
CA | Lemoore NAS | $1,506 |
CA | Camp Pendleton | $2,589 |
CA | Ventura | $2,586 |
CA | Vandenberg AFB | $2,094 |
CA | Marin/Sonoma | $3,234 |
CA | Barstow/Fort Irwin | $1,359 |
CA | San Bernardino | $2,370 |
CA | Twenty Nine Palms MCB | $1,038 |
CA | Beale AFB | $2,115 |
CA | Sacramento | $2,289 |
CA | Stockton | $1,917 |
CA | Vallejo/Travis AFB | $2,736 |
CA | Los Angeles | $3,114 |
CA | San Diego | $2,850 |
CA | Monterey | $2,508 |
CA | Riverside | $2,268 |
CA | Humboldt County | $1,446 |
CA | Santa Clara County | $4,122 |
CA | San Luis Obispo | $1,998 |
CA | Bridgeport | $1,218 |
CA | El Centro | $1,254 |
CA | Edwards AFB/Palmdale | $1,911 |
CO | Denver | $2,208 |
CO | Colorado Springs | $1,839 |
CO | Fort Collins | $1,740 |
CO | Boulder | $2,010 |
CT | New London | $1,608 |
CT | Hartford | $1,956 |
CT | New Haven/Fairfield | $2,901 |
DC | Washington | $2,352 |
DE | Dover AFB/Rehoboth | $1,536 |
FL | Eglin AFB | $1,536 |
FL | Gainesville | $1,431 |
FL | Jacksonville | $1,641 |
FL | Patrick AFB | $1,761 |
FL | Miami/Fort Lauderdale | $2,547 |
FL | Orlando | $1,902 |
FL | Panama City | $1,794 |
FL | Pensacola | $1,467 |
FL | Tallahassee | $1,326 |
FL | Tampa | $2,097 |
FL | West Palm Beach | $2,349 |
FL | Ocala | $1,482 |
FL | Florida Keys | $2,976 |
FL | Volusia County | $1,698 |
FL | Fort Pierce | $1,710 |
FL | Ft Myers Bch | $1,692 |
GA | Atlanta | $2,262 |
GA | Albany | $960 |
GA | Fort Gordon | $1,305 |
GA | Kings Bay/Brunswick | $1,284 |
GA | Fort Benning | $1,212 |
GA | Robins AFB | $1,320 |
GA | Savannah | $1,566 |
GA | Dahlonega | $1,332 |
GA | Fort Stewart | $1,434 |
GA | Moody AFB | $1,068 |
HI | Maui County | $2,844 |
HI | Honolulu County | $2,913 |
HI | Hawaii County | $2,346 |
HI | Kauai County | $2,379 |
IA | Des Moines | $1,398 |
ID | Boise | $1,236 |
ID | Mountain Home AFB | $1,356 |
IL | Champaign/Urbana | $1,020 |
IL | Rock Island | $1,617 |
IL | Peoria | $1,323 |
IL | Great Lakes Navtracen | $1,722 |
IL | Scott AFB | $1,173 |
IL | Chicago | $2,142 |
IL | Springfield/Decatur | $1,059 |
IN | Indianapolis | $1,509 |
IN | Fort Wayne | $1,338 |
IN | Terre Haute | $1,038 |
IN | Bloomington | $1,254 |
KS | Fort Riley | $1,095 |
KS | Wichita/McConnell AFB | $1,065 |
KS | Fort Leavenworth | $1,461 |
KS | Topeka | $1,098 |
KY | Fort Campbell | $1,386 |
KY | Lexington | $1,308 |
KY | Louisville | $1,530 |
KY | Fort Knox | $966 |
KY | Frankfort | $888 |
KY | Paducah | $912 |
LA | Alexandria | $900 |
LA | Baton Rouge | $1,542 |
LA | Fort Polk | $933 |
LA | New Orleans | $1,548 |
LA | Shreveport/Barksdale AFB | $1,428 |
LA | Lafayette | $1,401 |
LA | St Mary And Terrebonne | $1,299 |
LA | Lake Charles | $1,503 |
LA | Monroe | $951 |
MA | Nantucket | $3,024 |
MA | Boston | $3,024 |
MA | Worcester | $1,878 |
MA | Fitchburg | $2,115 |
MA | Cape Cod-Plymouth | $2,295 |
MA | Essex Co | $2,556 |
MA | Hampden County | $1,683 |
MA | Martha's Vineyard | $2,838 |
MA | Hanscom AFB | $2,850 |
MD | Aberdeen Proving Grounds | $1,785 |
MD | Annapolis | $2,169 |
MD | Baltimore | $2,154 |
MD | Fort Detrick | $1,863 |
MD | Fort G. G. Meade | $2,280 |
MD | Indian Head Navordsta | $2,190 |
MD | Patuxent River | $1,827 |
MD | Ocean City | $1,329 |
MD | Oxford | $1,803 |
ME | Brunswick | $1,632 |
ME | Portland | $1,983 |
ME | Coastal Maine | $1,605 |
ME | Bangor | $1,332 |
ME | Kittery / Portsmouth, NH | $2,304 |
MI | Detroit | $1,797 |
MI | Marquette | $1,146 |
MI | Sault Ste Marie | $1,119 |
MI | Traverse City | $1,467 |
MI | Grand Haven | $1,506 |
MI | Battle Creek/Kalamazoo | $1,344 |
MI | Lansing | $1,320 |
MI | Grand Rapids | $1,662 |
MI | Ann Arbor | $2,034 |
MI | Saginaw | $1,053 |
MN | Duluth | $1,536 |
MN | Minneapolis/St Paul | $1,728 |
MO | Kansas City | $1,548 |
MO | St. Louis | $1,641 |
MO | Whiteman AFB | $1,041 |
MO | Fort Leonard Wood | $870 |
MO | Springfield | $936 |
MO | Columbia/Jefferson City | $1,095 |
MO | Saint Joseph | $900 |
MS | Gulfport | $1,209 |
MS | Columbus AFB | $975 |
MS | Jackson | $1,407 |
MS | Meridian | $972 |
MS | Hattiesburg | $1,203 |
MT | Malmstrom AFB/Great Fls | $927 |
MT | Helena | $951 |
NC | Outer Banks | $1,668 |
NC | Morehead/Cherry Pt MCAS | $1,338 |
NC | Camp Lejeune | $1,251 |
NC | Charlotte | $1,626 |
NC | Durham/Chapel Hill | $1,494 |
NC | Elizabeth City | $1,509 |
NC | Fort Bragg/Pope | $1,233 |
NC | Seymour Johnson AFB | $1,068 |
NC | Greensboro | $1,260 |
NC | Raleigh | $1,590 |
NC | Wilmington | $1,380 |
NC | Asheville | $1,602 |
ND | Bismarck | $1,269 |
ND | Fargo | $1,152 |
ND | Grand Forks | $1,335 |
ND | Minot AFB | $1,140 |
NE | Omaha/Offutt AFB | $1,422 |
NE | Lincoln | $1,140 |
NH | Portsmouth / Kittery, ME | $2,304 |
NH | Manchester/Concord | $2,184 |
NJ | Atlantic City | $1,644 |
NJ | Cape May | $1,524 |
NJ | Fort Monmouth/Earle NWS | $2,508 |
NJ | Perth Amboy | $2,259 |
NJ | Northern New Jersey | $2,853 |
NJ | Trenton | $2,448 |
NJ | JB Mcguire-Dix-Lakehurst | $2,016 |
NJ | Camden / Philadelphia, PA | $2,049 |
NM | Holloman AFB/Alamogordo | $1,059 |
NM | Albuquerque/Kirtland AFB | $1,404 |
NM | Cannon AFB/Clovis | $1,032 |
NM | White Sands MR/Las Cruces | $1,101 |
NM | Santa Fe/Los Alamos | $1,518 |
NV | Fallon NAS | $1,260 |
NV | Nellis AFB/Las Vegas | $1,632 |
NV | Reno/Carson City | $1,929 |
NY | Ballston Spa/Albany | $2,148 |
NY | Buffalo | $1,938 |
NY | West Point | $2,247 |
NY | Long Island | $3,465 |
NY | New York City | $3,234 |
NY | Rochester | $1,578 |
NY | Rome/Griffiss AFB | $1,509 |
NY | Syracuse | $1,491 |
NY | Fort Drum/Watertown | $1,308 |
NY | Westchester County | $3,150 |
NY | Staten Island | $2,781 |
OH | Akron | $1,140 |
OH | Cincinnati | $1,629 |
OH | Cleveland | $1,461 |
OH | Columbus | $1,257 |
OH | Wright-Patterson AFB | $1,206 |
OH | Toledo | $1,527 |
OH | Youngstown | $1,068 |
OK | Altus AFB | $894 |
OK | Vance AFB/Enid | $936 |
OK | Fort Sill/Lawton | $888 |
OK | Oklahoma City | $1,257 |
OK | Tulsa | $1,056 |
OR | Astoria | $1,506 |
OR | Coos Bay | $1,260 |
OR | Portland | $2,361 |
OR | Salem | $1,524 |
OR | Corvallis | $1,653 |
OR | Eugene | $1,656 |
PA | Carlisle Barracks | $1,539 |
PA | Philadelphia / Camden, NJ | $2,049 |
PA | Willow Grove | $2,226 |
PA | Pittsburgh | $1,830 |
PA | State College | $1,395 |
PA | Erie | $1,158 |
PA | Wilkes-Barre/Scranton | $1,512 |
PA | Allentown/Bethlehem | $1,842 |
PA | Johnstown | $897 |
RI | Newport | $1,995 |
RI | Providence | $2,076 |
SC | Beaufort/Parris Island | $1,677 |
SC | Charleston | $1,860 |
SC | Columbia/Fort Jackson | $1,476 |
SC | Greenville | $1,296 |
SC | Myrtle Beach | $1,362 |
SC | Sumter/Shaw AFB | $1,095 |
SD | Rapid City/Ellsworth AFB | $1,305 |
SD | Sioux Falls | $1,119 |
TN | Chattanooga | $1,317 |
TN | Knoxville | $1,305 |
TN | Memphis | $1,683 |
TN | NAShville | $1,953 |
TN | Johnson City/Kingsport | $1,011 |
TX | Abilene/Dyess AFB | $1,167 |
TX | Austin | $2,097 |
TX | Beaumont | $1,542 |
TX | College Station | $1,272 |
TX | Corpus Christi | $1,593 |
TX | Dallas | $1,965 |
TX | Laughlin AFB/Del Rio | $1,092 |
TX | El Paso | $1,206 |
TX | Brownsville | $1,197 |
TX | Houston | $1,692 |
TX | Lubbock | $1,077 |
TX | Goodfellow AFB | $1,221 |
TX | San Antonio | $1,656 |
TX | Fort Hood | $1,152 |
TX | Wichita Fls/Sheppard AFB | $1,122 |
TX | Fort Worth | $1,821 |
TX | Waco | $1,209 |
UT | Ogden/Hill AFB | $1,485 |
UT | Salt Lake City | $1,500 |
UT | Provo | $1,482 |
VA | Charlottesville | $1,806 |
VA | Quantico/Woodbridge | $1,914 |
VA | Hampton/Newport News | $1,542 |
VA | Norfolk/Portsmouth | $1,641 |
VA | Richmond/Fort Lee | $1,422 |
VA | Warrenton | $2,292 |
VA | Lexington | $1,038 |
VA | Roanoke | $1,176 |
VA | Dahlgren/Fort Ap Hill | $1,689 |
VT | Burlington | $1,941 |
WA | Bremerton | $2,007 |
WA | Everett | $2,367 |
WA | Port Angeles | $1,485 |
WA | Seattle | $2,748 |
WA | Spokane | $1,482 |
WA | Tacoma | $1,974 |
WA | Whidbey Island | $1,413 |
WA | Yakima | $1,410 |
WI | Madison | $1,656 |
WI | Milwaukee | $1,824 |
WI | Sparta/Fort Mccoy | $1,068 |
WI | Stevens Point | $1,008 |
WV | Morgantown | $1,401 |
WV | Huntington | $1,293 |
WV | Charleston | $1,038 |
WV | Eastern Panhandle | $1,356 |
WY | Cheyenne | $1,194 |