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

    Permalinkbahratedesk.com/ann-arbor-mi/o-5/without/ExcelCSVDownloads cover this station.
    Ann Arbor, MI
    O-5 · without dependents
    $3,240/ month
    $38,880 / year
    At O-5, this is #66 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA MI155 · ZIPs 48103 48104 48105 48106 48107 48108 +15 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,154 / mo gross
    Other dependency status here$4,128 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-5 · $3,240/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▼ CUT−$306−$3,672/yr · like −$4,708 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    Fort G. G. Meade$3,345
    Annapolis$3,342
    Brunswick$3,312
    Quantico$3,252
    Ann Arbor$3,240
    Madison$3,216
    Edwards AFB$3,207
    New London$3,204
    Hampden County$3,201
    Youngstown$1,593

    Ann Arbor is #66 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 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-6 here adds $99 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 Westchester County at O-5 is worth $2,922 a month — about 30 promotions worth of housing allowance, at $99 per grade here.

    02

    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.

    03

    None of it is taxed. $3,240 a month of BAH takes more than $3,240 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.