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
    With $3,711Without $3,045

    O-5 at Baltimore draws $3,711 per month with dependents in 2026, $3,045 without

    Permalinkbahratedesk.com/baltimore-md/o-5/ExcelCSVDownloads cover this station.
    Baltimore, MD
    O-5 · with dependents
    $3,711/ month
    $44,532 / year
    At O-5, this is #84 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA MD129 · ZIPs 20588 20723 20759 20777 21013 21020 +116 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,758 / mo gross
    Without dependents here$3,045 / mo
    In government quarters, no dependents$50.10 / mo partial
    Baltimore — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,409$1,857
    E-2$2,409$1,857
    E-3$2,409$1,857
    E-4$2,409$1,857
    E-5$2,610$2,079
    E-6$2,904$2,226
    E-7$2,994$2,415
    E-8$3,093$2,673
    E-9$3,246$2,754
    Warrant officer
    W-1$2,922$2,349
    W-2$3,036$2,670
    W-3$3,159$2,766
    W-4$3,279$2,919
    W-5$3,429$3,015
    Officer — prior enlisted
    O-1E$3,009$2,607
    O-2E$3,138$2,736
    O-3E$3,303$2,895
    Officer
    O-1$2,652$2,205
    O-2$2,901$2,547
    O-3$3,156$2,793
    O-4$3,477$2,994
    O-5$3,711$3,045
    O-6$3,741$3,138
    O-7$3,768$3,192
    PCS compareBaltimore · O-5 · $3,711/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▼ CUT−$81−$972/yr · like −$1,246 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Corvallis$3,768
    Sitka$3,768
    Philadelphia$3,759
    Asheville$3,723
    Baltimore$3,711
    Portland$3,702
    Outer Banks$3,696
    Astoria$3,672
    County Cost Group 860$3,672
    Youngstown$1,827

    Baltimore is #84 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 a year, untaxed.

    Every pay grade at Baltimore0 – $3,768 / month
    E-1$2,409
    E-2$2,409
    E-3$2,409
    E-4$2,409
    E-5$2,610
    E-6$2,904
    E-7$2,994
    E-8$3,093
    E-9$3,246
    W-1$2,922
    W-2$3,036
    W-3$3,159
    W-4$3,279
    W-5$3,429
    O-1E$3,009
    O-2E$3,138
    O-3E$3,303
    O-1$2,652
    O-2$2,901
    O-3$3,156
    O-4$3,477
    O-5$3,711
    O-6$3,741
    O-7$3,768

    Promoting to O-6 here adds $30 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 Baltimore to Westchester County at O-5 is worth $4,353 a month — about 145 promotions worth of housing allowance, at $30 per grade here.

    02

    Dependency status is worth 22% 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. $3,711 a month of BAH takes more than $3,711 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.