BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Duty station or MHA
    Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.
    Or type your rank
    Enlisted
    E-1E-2E-3E-4E-5E-6E-7E-8E-9
    Warrant
    W-1W-2W-3W-4W-5
    Prior enl.
    O-1EO-2EO-3E
    Officer
    O-1O-2O-3O-4O-5O-6O-7
    Dependents
    WithWithout

    O-2 without dependents at Ann Arbor draws $2,472 per month in 2026

    Permalinkbahratedesk.com/ann-arbor-mi/o-2/without/ExcelCSVDownloads cover this station.
    Ann Arbor, MI
    O-2 · without dependents
    $2,472/ month
    $29,664 / year
    At O-2, this is #86 of 338 stations loaded · high New York City $5,091 · low Youngstown $1,176
    MHA MI155 · ZIPs 48103 48104 48105 48106 48107 48108 +15 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$3,169 / mo gross
    Other dependency status here$3,075 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Ann Arbor — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,292$1,719
    E-2$2,292$1,719
    E-3$2,292$1,719
    E-4$2,292$1,719
    E-5$2,559$1,920
    E-6$3,078$2,310
    E-7$3,180$2,385
    E-8$3,291$2,667
    E-9$3,483$2,820
    Warrant officer
    W-1$3,099$2,325
    W-2$3,225$2,664
    W-3$3,360$2,838
    W-4$3,528$3,099
    W-5$3,735$3,204
    Officer — prior enlisted
    O-1E$3,198$2,556
    O-2E$3,339$2,787
    O-3E$3,561$3,072
    Officer
    O-1$2,628$2,019
    O-2$3,075$2,472
    O-3$3,357$2,889
    O-4$3,804$3,180
    O-5$4,128$3,240
    O-6$4,161$3,339
    O-7$4,191$3,396
    PCS compareAnn Arbor · O-2 · $2,472/mo
    Aberdeen Proving Grounds$2,412/mo · $28,944/yr
    ▼ CUT−$60−$720/yr · like −$923 of salary

    What this rate means

    O-2 without dependents, nearest stations0 – $5,091 / month
    New York City$5,091
    New London$2,529
    Stockton$2,523
    JB Lewis-McChord$2,496
    Sitka$2,475
    Ann Arbor$2,472
    Minneapolis$2,445
    Patrick SFB$2,445
    Elizabeth City$2,442
    County Cost Group 860$2,436
    Youngstown$1,176

    Ann Arbor is #86 of 338. The spread between the dearest and cheapest station at this grade is $3,915 a month — $46,980 a year, untaxed.

    Every pay grade at Ann Arbor0 – $3,396 / month
    E-1$1,719
    E-2$1,719
    E-3$1,719
    E-4$1,719
    E-5$1,920
    E-6$2,310
    E-7$2,385
    E-8$2,667
    E-9$2,820
    W-1$2,325
    W-2$2,664
    W-3$2,838
    W-4$3,099
    W-5$3,204
    O-1E$2,556
    O-2E$2,787
    O-3E$3,072
    O-1$2,019
    O-2$2,472
    O-3$2,889
    O-4$3,180
    O-5$3,240
    O-6$3,339
    O-7$3,396

    Promoting to O-3 here adds $417 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Ann Arbor to New York City at O-2 is worth $2,619 a month — about 6 promotions worth of housing allowance, at $417 per grade here.

    02

    Dependency status is worth 24% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

    03

    None of it is taxed. $2,472 a month of BAH takes more than $2,472 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    Things the rate table doesn't tell you

    01

    “With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

    02

    O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

    03

    This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.