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-1 with dependents at Boston draws $4,803 per month in 2026

    Permalinkbahratedesk.com/boston-ma/o-1/with/ExcelCSVDownloads cover this station.
    Boston, MA
    O-1 · with dependents
    $4,803/ month
    $57,636 / year
    At O-1, this is #3 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218
    MHA MA120 · ZIPs 01701 01702 01703 01704 01705 01721 +184 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$6,158 / mo gross
    Other dependency status here$3,894 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Boston — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$4,344$3,258
    E-2$4,344$3,258
    E-3$4,344$3,258
    E-4$4,344$3,258
    E-5$4,791$3,615
    E-6$4,812$3,948
    E-7$4,938$4,365
    E-8$5,079$4,803
    E-9$5,379$4,809
    Warrant officer
    W-1$4,827$4,191
    W-2$4,995$4,800
    W-3$5,169$4,812
    W-4$5,457$4,833
    W-5$5,805$4,968
    Officer — prior enlisted
    O-1E$4,962$4,788
    O-2E$5,142$4,806
    O-3E$5,511$4,818
    Officer
    O-1$4,803$3,894
    O-2$4,809$4,644
    O-3$5,163$4,815
    O-4$5,928$4,941
    O-5$6,483$5,019
    O-6$6,540$5,148
    O-7$6,594$5,241
    PCS compareBoston · O-1 · $4,803/mo
    Aberdeen Proving Grounds$2,517/mo · $30,204/yr
    ▼ CUT−$2,286−$27,432/yr · like −$35,169 of salary

    What this rate means

    O-1 with dependents, nearest stations0 – $5,172 / month
    San Francisco$5,172
    New York City$5,073
    Boston$4,803
    Northern New Jersey$4,791
    Santa Clara County$4,704
    Westchester County$4,587
    Long Island$4,473
    Youngstown$1,218

    Boston is #3 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 Boston0 – $6,594 / month
    E-1$4,344
    E-2$4,344
    E-3$4,344
    E-4$4,344
    E-5$4,791
    E-6$4,812
    E-7$4,938
    E-8$5,079
    E-9$5,379
    W-1$4,827
    W-2$4,995
    W-3$5,169
    W-4$5,457
    W-5$5,805
    O-1E$4,962
    O-2E$5,142
    O-3E$5,511
    O-1$4,803
    O-2$4,809
    O-3$5,163
    O-4$5,928
    O-5$6,483
    O-6$6,540
    O-7$6,594

    Promoting to O-2 here adds $6 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 Boston to San Francisco at O-1 is worth $369 a month — about 62 promotions worth of housing allowance, at $6 per grade here.

    02

    Dependency status is worth 23% 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. $4,803 a month of BAH takes more than $4,803 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.