Official data current

Bloomington BAH rates

Verified · Effective 2026-01-01 · MHA IN399

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O-5 · With dependents
$3,225per month

$38,700 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #143 of 338O-5 · with dependents reference
Taxable-pay equivalent$4,135/mo Using the stated 22% comparison rate
Year-over-year change+$96/mo · +3.1%2025 $3,129 → 2026 $3,225
O-5 rate selectedMHA IN399 ZIPs 47401 47402 47403 47404 47405 47406 +22
PCS compare Bloomington · O-5 · with dep. · $3,225/mo
Bloomington $3,225/mo · $38,700/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.

Comparison uses with-dependents rates. Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

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Rate history

How updates work
2025$3,129
2026$3,225

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Bloomington — full sheet Tap a row

What this rate means

O-5 with dependents, nearest stations0 – $8,064 / month
Westchester County $8,064
Orlando $3,255
Savannah $3,249
Rome $3,243
Yakima $3,243
Abilene $3,234
Durham $3,231
Helena $3,231
Omaha $3,231
Richmond $3,231
Salem $3,228
Bloomington $3,225
Cleveland $3,222
Rochester $3,222
Nashville $3,219
Chattanooga $3,201
Syracuse $3,198
Spokane $3,195
Dallas $3,192
Coastal Maine $3,183
State College $3,180
Fort Collins $3,165
Youngstown $1,827

Bloomington is #143 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 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

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

Moving from Bloomington to Westchester County at O-5 is worth $4,839 a month — about 202 promotions at this grade. Where you are stationed outweighs rank, by a lot.

What the rate table does not 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.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…