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-5 without dependents at Battle Creek draws $2,445 per month in 2026

    Permalinkbahratedesk.com/battle-creek-kalamazoo-mi/o-5/without/ExcelCSVDownloads cover this station.
    Battle Creek/Kalamazoo, MI
    O-5 · without dependents
    $2,445/ month
    $29,340 / year
    At O-5, this is #171 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA MI152 · ZIPs 49001 49002 49003 49004 49005 49006 +33 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$3,135 / mo gross
    Other dependency status here$2,973 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Battle Creek — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,698$1,275
    E-2$1,698$1,275
    E-3$1,698$1,275
    E-4$1,698$1,275
    E-5$1,959$1,470
    E-6$2,370$1,779
    E-7$2,424$1,818
    E-8$2,478$2,046
    E-9$2,589$2,163
    Warrant officer
    W-1$2,391$1,794
    W-2$2,445$2,043
    W-3$2,517$2,181
    W-4$2,616$2,379
    W-5$2,742$2,436
    Officer — prior enlisted
    O-1E$2,430$1,956
    O-2E$2,505$2,136
    O-3E$2,634$2,364
    Officer
    O-1$2,013$1,509
    O-2$2,367$1,875
    O-3$2,514$2,220
    O-4$2,781$2,418
    O-5$2,973$2,445
    O-6$2,997$2,493
    O-7$3,015$2,535
    PCS compareBattle Creek · O-5 · $2,445/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▲ RAISE+$489+$5,868/yr · like +$7,523 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    Chattanooga$2,460
    El Centro$2,460
    State College$2,454
    Durham$2,451
    Battle Creek$2,445
    Charlotte$2,445
    Myrtle Beach$2,445
    Hampton$2,442
    Columbus$2,439
    Youngstown$1,593

    Battle Creek is #171 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 a year, untaxed.

    Every pay grade at Battle Creek0 – $2,535 / month
    E-1$1,275
    E-2$1,275
    E-3$1,275
    E-4$1,275
    E-5$1,470
    E-6$1,779
    E-7$1,818
    E-8$2,046
    E-9$2,163
    W-1$1,794
    W-2$2,043
    W-3$2,181
    W-4$2,379
    W-5$2,436
    O-1E$1,956
    O-2E$2,136
    O-3E$2,364
    O-1$1,509
    O-2$1,875
    O-3$2,220
    O-4$2,418
    O-5$2,445
    O-6$2,493
    O-7$2,535

    Promoting to O-6 here adds $48 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 Battle Creek to Westchester County at O-5 is worth $3,717 a month — about 77 promotions worth of housing allowance, at $48 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. $2,445 a month of BAH takes more than $2,445 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.