What is O-2E BAH at Annapolis in 2026?

$3,423 per month with dependents ($41,076 per year), effective 01 JAN 2026. without dependents it is $3,054 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-2E BAH at Annapolis 2026 — $3,423/mo with dependents

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

Annapolis, MD

O-2E · with dependents

$3,423/ month

$41,076 / year

At O-2E, this is #62 of 338 stations loaded · high Westchester County $6,564 · low Anniston $1,671

MHA MD128 · ZIPs 20711 20733 20751 20758 20764 20765 +25 more

Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt

Untaxed — matching it with taxable pay takes$4,388 / mo gross

Other dependency status here$3,054 without dependents

In government quarters, no dependents$50.10 / mo partial

Annapolis — full sheetTap a row

Grade	With 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

O-2E with dependents, nearest stations0 – $6,564 / month

Westchester County$6,564

Vallejo$3,531

County Cost Group 880$3,471

Sitka$3,447

Willow Grove$3,435

Annapolis$3,423

San Bernardino$3,411

Austin$3,408

Fort G. G. Meade$3,402

Madison$3,396

Anniston$1,671

Annapolis is #62 of 338. The spread between the dearest and cheapest station at this grade is $4,893 a month — $58,716 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-3E here adds $189 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 Annapolis to Westchester County at O-2E is worth $3,141 a month — about 17 promotions worth of housing allowance, at $189 per grade here.

Dependency status is worth 12% 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. $3,423 a month of BAH takes more than $3,423 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-2E with dependents at Annapolis draws $3,423 per month in 2026

What this rate means

Things the rate table doesn't tell you