What is O-1 BAH at Bloomington in 2026?

$1,920 per month with dependents ($23,040 per year), effective 01 JAN 2026. Without dependents it is $1,602 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-1 BAH at Bloomington 2026 — $1,920 with dependents, $1,602 without

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

Bloomington, IN

O-1 · with dependents

$1,920/ month

$23,040 / year

At O-1, this is #205 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218

MHA IN399 · ZIPs 47401 47402 47403 47404 47405 47406 +22 more

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$2,462 / mo gross

Without dependents here$1,602 / mo

In government quarters, no dependents$50.10 / mo partial

Bloomington — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,755	$1,317
E-2	$1,755	$1,317
E-3	$1,755	$1,317
E-4	$1,755	$1,317
E-5	$1,905	$1,482
E-6	$1,956	$1,617
E-7	$2,139	$1,761
E-8	$2,343	$1,923
E-9	$2,595	$1,947
Warrant officer
W-1	$1,971	$1,716
W-2	$2,223	$1,920
W-3	$2,475	$1,950
W-4	$2,640	$2,007
W-5	$2,841	$2,187
Officer — prior enlisted
O-1E	$2,175	$1,902
O-2E	$2,439	$1,926
O-3E	$2,673	$2,004
Officer
O-1	$1,920	$1,602
O-2	$1,953	$1,860
O-3	$2,469	$1,953
O-4	$2,910	$2,184
O-5	$3,225	$2,418
O-6	$3,249	$2,454
O-7	$3,273	$2,496

What this rate means

O-1 with dependents, nearest stations0 – $5,172 / month

San Francisco$5,172

Columbus$1,926

Indianapolis$1,923

Bangor$1,920

Baton Rouge$1,920

Bloomington$1,920

Lexington$1,917

Mobile$1,917

Columbia$1,914

Pensacola$1,914

Youngstown$1,218

Bloomington is #205 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 Bloomington0 – $3,273 / month

E-1$1,755

E-2$1,755

E-3$1,755

E-4$1,755

E-5$1,905

E-6$1,956

E-7$2,139

E-8$2,343

E-9$2,595

W-1$1,971

W-2$2,223

W-3$2,475

W-4$2,640

W-5$2,841

O-1E$2,175

O-2E$2,439

O-3E$2,673

O-1$1,920

O-2$1,953

O-3$2,469

O-4$2,910

O-5$3,225

O-6$3,249

O-7$3,273

Promoting to O-2 here adds $33 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 Bloomington to San Francisco at O-1 is worth $3,252 a month — about 99 promotions worth of housing allowance, at $33 per grade here.

Dependency status is worth 20% 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. $1,920 a month of BAH takes more than $1,920 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-1 at Bloomington draws $1,920 per month with dependents in 2026, $1,602 without

What this rate means

Things the rate table doesn't tell you