Published January 22, 2026

New Year, New BAH: Maximizing Your 2026 Rates in Kitsap County Subject Line: ⚓ Your 2026 Pay Increase = Your New Kitsap Home

Written by Jason Richesin

New Year, New BAH: Maximizing Your 2026 Rates in Kitsap County

Understanding the 2026 BAH Increase at NBK The calendar has turned to 2026, and for the thousands of service members headed to Naval Base Kitsap, your monthly housing allowance just got a boost!

BAH is your secret weapon. Whether you’re eyeing a craftsman in Poulsbo or a family-sized home in Silverdale, knowing how to employ your BAH is step one.

1. Turning "Rent Money" into "Home Equity"
Many view BAH as a monthly bill. As a Retired Navy LCDR, I see it as a wealth-building tool. Lenders in the Kitsap area can "gross up" this tax-free income, significantly improving your debt-to-income (DTI) ratio. This can be the difference between a long commute and living in your dream neighborhood.

2. The "Grandfather Clause": Peace of Mind for the Family
One of the best features of the BAH system is individual rate protection. If you buy now and the local rate decreases next year, your pay stays locked in. This provides the financial stability military spouses crave.

3. More than just a House: The Kitsap Lifestyle
Your BAH doesn't just pay for four walls; it buys your access to the Pacific Northwest lifestyle. From the 3.8% increase in Dislocation Allowance (DLA)—perfect for those initial home upgrades—to the proximity of top-rated schools like those in Central Kitsap, the 2026 rates are designed to help your family enjoy your new duty station.

The Bottom Line The 2026 BAH rates are a win for our Kitsap military community.

Ready to see what your 2026 BAH buys in today's market? 🤓 Let’s run the numbers. We know the best spots for a quick commute to the shipyard and the best coffee shops in Poulsbo to hit on the way to work!