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-1 with dependents at Annapolis draws $2,970 per month in 2026

    Permalinkbahratedesk.com/annapolis-md/o-1/with/ExcelCSVDownloads cover this station.
    Annapolis, MD
    O-1 · with dependents
    $2,970/ month
    $35,640 / year
    At O-1, this is #57 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218
    MHA MD128 · ZIPs 20711 20733 20751 20758 20764 20765 +25 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$3,808 / mo gross
    Other dependency status here$2,586 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Annapolis — full sheetTap 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
    PCS compareAnnapolis · O-1 · $2,970/mo
    Aberdeen Proving Grounds$2,517/mo · $30,204/yr
    ▼ CUT−$453−$5,436/yr · like −$6,969 of salary

    What this rate means

    O-1 with dependents, nearest stations0 – $5,172 / month
    San Francisco$5,172
    Willow Grove$2,997
    Beale AFB$2,994
    Quantico$2,991
    Worcester$2,982
    Annapolis$2,970
    Hartford$2,961
    Fort G. G. Meade$2,952
    Newport$2,925
    Sacramento$2,922
    Youngstown$1,218

    Annapolis is #57 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 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

    Promoting to O-2 here adds $255 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 Annapolis to San Francisco at O-1 is worth $2,202 a month — about 9 promotions worth of housing allowance, at $255 per grade here.

    02

    Dependency status is worth 15% 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. $2,970 a month of BAH takes more than $2,970 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.