Navy Bah 2023 - The continued rise in inflation is affecting families across the United States, and the military community is no exception. As the cost of living rises, families are looking for new ways to make ends meet and survive these tough economic times. Basic Allowance for Housing (BAH) provides financial assistance to military families to cover housing and other living expenses. The U.S. Department of Defense (DoD) understands the challenges facing troops and their families and has announced an increase in BAH rates for 2023 and other initiatives aimed at helping military families overcome financial hardship.
On September 22, 2022, the Department of Defense announced immediate and long-term actions to help strengthen the financial security and stability of service members and their families.
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Included in the announcement are changes to BAH rates for 2023, changes to the Permanent Change of Place (PCS) process, investments in child care and child development, and increased employment assistance for military spouses.
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Yes, increasing the BAH rate in 2023 would increase the President's budget for those serving in the US military by 4.2%.
The proposed 2023 BAH rates will begin on January 1. This revision and initiative is intended to automatically increase 2023 BAH in 28 Military Housing Areas (MHA) that are experiencing rental housing cost increases of more than 20% over 2022 BAH rates. That includes:
For these areas, the automatic 2023 military BAH increase will actually go into effect in October 2022.
The Army's BAH is increasing in 2023, and increases for other branches are part of the Defense Department's effort. Costs are rising in many areas. Here are some ways military families can expect support:
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Military families can expect lower prices at commissaries to help them save up to 25% on grocery bills compared to local markets.
Those entitled to Basic Needs Allowance (BNA) will be paid from January 2023 to help service members with dependents.
Housing costs and moving costs can go hand in hand. In addition to the increase in BAH rates for 2023, military families can expect even more help along the way.
The Department of Defense is seeking to improve the Permanent Change Station (PCS) move process, including improving the military's single-source online tools for moving and finding housing.
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Until October 2022, service members will be able to use TLE for up to 60 days if they are in a military housing area with housing shortages.
To further offset PCS costs, the Department of Defense increased the Deployment Allowance (DLA) for enlisted personnel E-1 through E-6. To avoid out-of-pocket costs, all DLA payments will be paid one month before the automatic move-in date of October 2022.
The Department of Defense is investing more in children through the expansion of the Child Development Program (CDP), a pilot program that focuses on caring for military children in your neighborhood and helping with in-home child care fees.
The Department of Defense will help expedite the creation of seven additional interstate occupational licensing agreements with organizations in multiple industries to facilitate spouses who need to transfer licenses or credentials.
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To help military spouses develop transferable careers, the Department of Defense is increasing employment opportunities for military spouses through non-competitive, direct hiring authorities.
Career acceleration efforts are underway to provide military spouses with a range of careers through gainful employment in the private sector.
The Department of Defense is increasing the number of participants in the Military Spouse Employment Partnership (MSEP) by 10% before January 2023 to help connect spouses with employment organizations in need of employees.
If you would like to learn more about these DoD initiatives, Secretary of Defense Lloyd Austin's memorandum Caring for Our Service Members and Families can help you better understand the upcoming changes.
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You can plan ahead using the BAH calculator from the DefenseTravel Management Office, although it may take some time before the latest calculations are available.
Increasing the BAH rate through 2023 and helping military families in other areas are encouraging signs. Helping military families overcome financial pressures is a great way to support those who defend our freedom around the world.
Buddy Blouin is a content writer who loves to create through the written word. In addition to researching keyword data and creating blogs, she enjoys creating cocktails, cooking, and enjoying The Beautiful Game. According to the Department of Defense, the basic housing allowance increased by 12.1% for 2023. BAH rates for 2023 cover approximately 95% of housing costs (including rent and utilities) in more than 300 military housing areas.
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The Department of Defense has calculated rates of 2023 BAH to cover approximately 95% of housing costs (including rent and utilities) in 300 military housing areas. An estimated $26.8 billion will be paid to more than one million service members. The BAH rate increase reflects the unique market conditions experienced across the country over the past year.
BAH rate protection ensures that your BAH is not reduced if you live in an area with lower rates. Instead, you will remain at the previous price unless one of these circumstances applies:
BAH rates are based on duty location, pay grade, and dependent status (with or without dependents). Prices are based on rent and utilities in more than 300 civilian housing markets. BAH rates no longer cover the cost of renter's insurance. I believe service members should purchase renters insurance whether they live on barracks or off base.
The Office of Defense Travel Management is the official source for BAH rates. You can visit the site or use the BAH calculator below to find current rates for your zip code.
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An incredibly powerful benefit of a VA Home Loan is the ability for military members to use their Basic Allowance for Housing (BAH) to pay off their mortgage. Your BAH may cover most or all of your monthly mortgage payments.
Enter your pay grade, duty station zip code, and if you have dependents to see the 2023 BAH rates for your duty station.
These are the increased rates for 2023 BAH for each military housing area, based on E-5 rates with dependents.
If you live in any of these areas, you will see an automatic increase in your BAH in the LES at the end of October. If you do not receive one, please contact your finance office.
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Are you eligible for the 2022 BAH increase? Calculate how much you will get here. 2023 BAH Type II rates
Guard and Reserve members who are active for less than 30 days receive Type II BAH, also known as nonlocal BAH. This benefit is lower than the regular BAH rate for most locations.
Members active for more than 30 days receive the same BAH rate as their active duty counterparts, based on their home zip code and whether or not they have dependents.
BAH Type II is also awarded to military members in transit from a location that does not have a BAH rate (such as PCS from an overseas location).
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Service members who live on base but pay child support may be entitled to BAH differential, also known as BAH-DIFF. According to the Defense Travel website:
"BAH-DIFF is the housing allowance amount for members who are assigned to disposable housing units and who have BAH only to pay child support." A member may not be authorized BAH-DIFF if the monthly rate of such support is less than the BAH-DIFF amount. Office of Defense Travel Management
DTMO updates the BAH-DIFF annually based on changes in base pay. For more information, contact your finance office or consult the Department of Defense Financial Management Regulation (DoDFMR), Vol. 7A, §§ 260301 and 260504."
Differential GradeBAH O-10$407.94 O-9$407.94 O-8$407.94 O-7$407.94 O-6$346.75 O-5$335.14 O-4$223.43 O-3$223.11 O-2$407.94 O-2$4.49.7$ O-3223.11 $ O-$2261 -$5139.64 V-$4171.96 V-$3258.89 V-$2273.95 V-$1265.16 E-$9349.89 E-8$327.92 E-7$327 .92 E-7 $327.92 E-7 $369.36 E-7 $369.36 E-$258.36 E-$258.36 E 312 $295.91 E-1 $349.89
County Cost Group Bah (basic Allowance For Housing) Rates
Ryan Gina is the founder of Military Wallet. He is a writer, small business owner and entrepreneur. He served six years on active duty in the USAF and is a current member of the Illinois National Guard.
Ryan started The Military Wallet in 2007 after separating from active duty military and has been writing about finance, small business and military benefits ever since.
Featured in: Ryan's writing has appeared in the following publications: Forbes, Militari.com, US News & World Report, Yahoo Finance, Reserve and National Guard Magazine (print and online editions), Military Influencer Magazine, Cash Money Life, The Military Guide, USAA, Go Banking rates and many other publications.
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