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 $2,634 Without $2,073

E-5 at Ballston Spa draws $2,634 per month with dependents in 2026, $2,073 without

Permalink bahratedesk.com/ballston-spa-albany-ny/ Excel CSV
Ballston Spa/Albany, NY
E-5 · with dependents
$2,634/ month
$31,608 / year
At E-5, this is #81 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA NY215 · ZIPs 12007 12008 12009 12018 12019 12020 +139 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $3,377 / mo gross
Without dependents here $2,073 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Ballston Spa · E-5 · $2,634/mo
Ballston Spa $2,634/mo · $31,608/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.

Ballston Spa — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $2,388 $1,974
E-2 $2,388 $1,974
E-3 $2,388 $1,974
E-4 $2,388 $1,974
E-5 $2,634 $2,073
E-6 $2,862 $2,166
E-7 $2,997 $2,397
E-8 $3,144 $2,685
E-9 $3,327 $2,745
Warrant officer
W-1 $2,880 $2,310
W-2 $3,057 $2,682
W-3 $3,240 $2,754
W-4 $3,357 $2,886
W-5 $3,504 $3,030
Officer — prior enlisted
O-1E $3,021 $2,631
O-2E $3,213 $2,730
O-3E $3,381 $2,850
Officer
O-1 $2,670 $2,139
O-2 $2,859 $2,556
O-3 $3,234 $2,775
O-4 $3,549 $3,000
O-5 $3,777 $3,081
O-6 $3,807 $3,219
O-7 $3,834 $3,276

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Tampa $2,709
Fort Myers Beach $2,694
Fort Pierce $2,691
Philadelphia $2,691
Fort Detrick $2,682
Edwards AFB $2,658
Orlando $2,658
Atlantic City $2,655
Madison $2,655
County Cost Group 870 $2,652
Ballston Spa $2,634
Baltimore $2,610
Milwaukee $2,607
Outer Banks $2,604
New London $2,580
Ann Arbor $2,559
JB Lewis-McChord $2,556
Stockton $2,553
Minneapolis $2,541
Elizabeth City $2,508
Patrick SFB $2,502
Anniston $1,185

Ballston Spa is #81 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 Ballston Spa0 – $3,834 / month
E-1 $2,388
E-2 $2,388
E-3 $2,388
E-4 $2,388
E-5 $2,634
E-6 $2,862
E-7 $2,997
E-8 $3,144
E-9 $3,327
W-1 $2,880
W-2 $3,057
W-3 $3,240
W-4 $3,357
W-5 $3,504
O-1E $3,021
O-2E $3,213
O-3E $3,381
O-1 $2,670
O-2 $2,859
O-3 $3,234
O-4 $3,549
O-5 $3,777
O-6 $3,807
O-7 $3,834

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

Moving from Ballston Spa to San Francisco at E-5 is worth $2,493 a month — about 11 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.