What is O-5 BAH at Ann Arbor in 2026?

$4,128 per month with dependents ($49,536 per year), effective 01 JAN 2026. Without dependents it is $3,240 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-5 BAH at Ann Arbor 2026 — $4,128 with dependents, $3,240 without

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

Ann Arbor, MI

O-5 · with dependents

$4,128/ month

$49,536 / year

At O-5, this is #52 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827

MHA MI155 · ZIPs 48103 48104 48105 48106 48107 48108 +15 more

Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col

Untaxed — matching it with taxable pay takes$5,292 / mo gross

Without dependents here$3,240 / mo

In government quarters, no dependents$50.10 / mo partial

Ann Arbor — full sheetTap a row

Grade	With 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

What this rate means

O-5 with dependents, nearest stations0 – $8,064 / month

Westchester County$8,064

Indian Head Navordsta$4,278

Hawaii County$4,263

Boulder$4,218

County Cost Group 880$4,137

Ann Arbor$4,128

JB McGuire-Dix-Lakehurst$4,122

Annapolis$4,101

JB Elmendorf-Richardson$4,095

Austin$4,095

Youngstown$1,827

Ann Arbor is #52 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 a year, untaxed.

Every pay grade at Ann Arbor0 – $4,191 / month

E-1$2,292

E-2$2,292

E-3$2,292

E-4$2,292

E-5$2,559

E-6$3,078

E-7$3,180

E-8$3,291

E-9$3,483

W-1$3,099

W-2$3,225

W-3$3,360

W-4$3,528

W-5$3,735

O-1E$3,198

O-2E$3,339

O-3E$3,561

O-1$2,628

O-2$3,075

O-3$3,357

O-4$3,804

O-5$4,128

O-6$4,161

O-7$4,191

Promoting to O-6 here adds $33 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Ann Arbor to Westchester County at O-5 is worth $3,936 a month — about 119 promotions worth of housing allowance, at $33 per grade here.

Dependency status is worth 27% 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.

None of it is taxed. $4,128 a month of BAH takes more than $4,128 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-5 at Ann Arbor draws $4,128 per month with dependents in 2026, $3,240 without

What this rate means

Things the rate table doesn't tell you