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

Press Enter to look it up.

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
With $2,928 Without $2,475

E-5 at Annapolis draws $2,928 per month with dependents in 2026, $2,475 without

Permalink bahratedesk.com/annapolis-md/ Excel CSV
Annapolis, MD
E-5 · with dependents
$2,928/ month
$35,136 / year
At E-5, this is #56 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA MD128 · ZIPs 20711 20733 20751 20758 20764 20765 +25 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $3,754 / mo gross
Without dependents here $2,475 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Annapolis · E-5 · $2,928/mo
Annapolis $2,928/mo · $35,136/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Annapolis — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $2,757 $2,280
E-2 $2,757 $2,280
E-3 $2,757 $2,280
E-4 $2,757 $2,280
E-5 $2,928 $2,475
E-6 $3,228 $2,601
E-7 $3,303 $2,763
E-8 $3,384 $2,991
E-9 $3,546 $3,075
Warrant officer
W-1 $3,246 $2,709
W-2 $3,336 $2,988
W-3 $3,441 $3,087
W-4 $3,585 $3,237
W-5 $3,762 $3,321
Officer — prior enlisted
O-1E $3,315 $2,925
O-2E $3,423 $3,054
O-3E $3,612 $3,219
Officer
O-1 $2,970 $2,586
O-2 $3,225 $2,874
O-3 $3,438 $3,114
O-4 $3,822 $3,300
O-5 $4,101 $3,342
O-6 $4,134 $3,417
O-7 $4,164 $3,477

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Seattle $3,135
Washington $3,132
Burlington $3,120
Fitchburg $3,093
New Haven $3,069
Warrenton $3,066
Beale AFB $2,967
Santa Fe $2,964
Quantico $2,955
Willow Grove $2,934
Annapolis $2,928
Worcester $2,919
Sacramento $2,904
Fort G. G. Meade $2,901
Hartford $2,901
JB Elmendorf-Richardson $2,874
Ketchikan $2,868
Kodiak Island $2,865
County Cost Group 880 $2,850
Newport $2,847
Denver $2,841
Anniston $1,185

Annapolis is #56 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Annapolis0 – $4,164 / month
E-1 $2,757
E-2 $2,757
E-3 $2,757
E-4 $2,757
E-5 $2,928
E-6 $3,228
E-7 $3,303
E-8 $3,384
E-9 $3,546
W-1 $3,246
W-2 $3,336
W-3 $3,441
W-4 $3,585
W-5 $3,762
O-1E $3,315
O-2E $3,423
O-3E $3,612
O-1 $2,970
O-2 $3,225
O-3 $3,438
O-4 $3,822
O-5 $4,101
O-6 $4,134
O-7 $4,164

The pay chart moves this allowance far less than the map does.

Moving from Annapolis to San Francisco at E-5 is worth $2,199 a month — about 7 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.