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 with dependents at Boulder draws $4,218 per month in 2026

    Permalinkbahratedesk.com/boulder-co/o-5/with/ExcelCSVDownloads cover this station.
    Boulder, CO
    O-5 · with dependents
    $4,218/ month
    $50,616 / year
    At O-5, this is #50 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA CO422 · ZIPs 80025 80026 80027 80038 80301 80302 +21 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$5,408 / mo gross
    Other dependency status here$3,561 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Boulder — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,565$1,995
    E-2$2,565$1,995
    E-3$2,565$1,995
    E-4$2,565$1,995
    E-5$2,754$2,238
    E-6$3,342$2,508
    E-7$3,477$2,607
    E-8$3,621$2,874
    E-9$3,795$3,051
    Warrant officer
    W-1$3,363$2,523
    W-2$3,537$2,871
    W-3$3,714$3,072
    W-4$3,825$3,372
    W-5$3,963$3,510
    Officer — prior enlisted
    O-1E$3,501$2,751
    O-2E$3,687$3,012
    O-3E$3,846$3,336
    Officer
    O-1$2,829$2,370
    O-2$3,336$2,694
    O-3$3,711$3,129
    O-4$4,005$3,480
    O-5$4,218$3,561
    O-6$4,254$3,693
    O-7$4,287$3,759
    PCS compareBoulder · O-5 · $4,218/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▼ CUT−$588−$7,056/yr · like −$9,046 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Vandenberg SFB$4,356
    Atlantic City$4,296
    Indian Head Navordsta$4,278
    Hawaii County$4,263
    Boulder$4,218
    County Cost Group 880$4,137
    Ann Arbor$4,128
    JB McGuire-Dix-Lakehurst$4,122
    Annapolis$4,101
    Youngstown$1,827

    Boulder is #50 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 Boulder0 – $4,287 / month
    E-1$2,565
    E-2$2,565
    E-3$2,565
    E-4$2,565
    E-5$2,754
    E-6$3,342
    E-7$3,477
    E-8$3,621
    E-9$3,795
    W-1$3,363
    W-2$3,537
    W-3$3,714
    W-4$3,825
    W-5$3,963
    O-1E$3,501
    O-2E$3,687
    O-3E$3,846
    O-1$2,829
    O-2$3,336
    O-3$3,711
    O-4$4,005
    O-5$4,218
    O-6$4,254
    O-7$4,287

    Promoting to O-6 here adds $36 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 Boulder to Westchester County at O-5 is worth $3,846 a month — about 107 promotions worth of housing allowance, at $36 per grade here.

    02

    Dependency status is worth 18% 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. $4,218 a month of BAH takes more than $4,218 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.