Dual-Military Couples: How is BAH Calculated?
Mil-to-Mil (Dual Military) couples have unique pay structures. A common myth is that you can "double dip" on dependents, but the DoD has strict rules to prevent overpayment while ensuring fair compensation.
Scenario 1: No Children
If you are married to another service member and have no children:
- Service Member A: Receives BAH at the **Without Dependents** rate.
- Service Member B: Receives BAH at the **Without Dependents** rate.
You effectively get two single BAH allowances. Combined, this is usually significantly more than one "With Dependents" allowance, making Mil-to-Mil housing very affordable.
Scenario 2: With Children/Dependents
If you have one or more children:
- Higher Ranking Member: Usually claims the child and receives BAH at the **With Dependents** rate.
- Lower Ranking Member: Receives BAH at the **Without Dependents** rate.
Rule: You cannot BOTH claim the "With Dependents" rate for the same child(ren). However, you both still receive a housing allowance.
Scenario 3: Geographically Separated (Geo-Bachelors)
If you are stationed at different bases (not close enough to commute):
- You each receive BAH for your **respective duty station locations**.
- If you have kids, the parent who has physical custody (more than 51% of the time) claims the "With Dependents" rate.
Living On-Base
If a Mil-to-Mil couple lives in privatized on-base housing:
- They will typically take the entire With-Dependent BAH from the senior member.
- Depending on the housing contractor, they might effectively keep part of the second BAH, or the rent might be set to the market rate. Always check your specific base housing lease agreement, as you might save money by banking the second BAH!