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 without dependents at Buffalo draws $1,890 per month in 2026

    Permalinkbahratedesk.com/buffalo-ny/o-1/without/ExcelCSVDownloads cover this station.
    Buffalo, NY
    O-1 · without dependents
    $1,890/ month
    $22,680 / year
    At O-1, this is #136 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,074
    MHA NY216 · ZIPs 14001 14004 14006 14008 14010 14012 +104 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$2,423 / mo gross
    Other dependency status here$2,262 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Buffalo — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,055$1,623
    E-2$2,055$1,623
    E-3$2,055$1,623
    E-4$2,055$1,623
    E-5$2,214$1,791
    E-6$2,553$1,914
    E-7$2,631$2,058
    E-8$2,718$2,289
    E-9$2,862$2,382
    Warrant officer
    W-1$2,571$2,010
    W-2$2,667$2,286
    W-3$2,775$2,394
    W-4$2,895$2,565
    W-5$3,045$2,652
    Officer — prior enlisted
    O-1E$2,646$2,211
    O-2E$2,757$2,361
    O-3E$2,919$2,544
    Officer
    O-1$2,262$1,890
    O-2$2,550$2,166
    O-3$2,772$2,427
    O-4$3,093$2,631
    O-5$3,324$2,676
    O-6$3,351$2,754
    O-7$3,372$2,802
    PCS compareBuffalo · O-1 · $1,890/mo
    Aberdeen Proving Grounds$2,055/mo · $24,660/yr
    ▲ RAISE+$165+$1,980/yr · like +$2,538 of salary

    What this rate means

    O-1 without dependents, nearest stations0 – $5,067 / month
    New York City$5,067
    Fresno$1,908
    Jacksonville$1,908
    Eugene$1,902
    Kings Bay$1,896
    Buffalo$1,890
    Asheville$1,887
    Corvallis$1,884
    Hampton$1,884
    Fairbanks$1,881
    Youngstown$1,074

    Buffalo is #136 of 338. The spread between the dearest and cheapest station at this grade is $3,993 a month — $47,916 a year, untaxed.

    Every pay grade at Buffalo0 – $2,802 / month
    E-1$1,623
    E-2$1,623
    E-3$1,623
    E-4$1,623
    E-5$1,791
    E-6$1,914
    E-7$2,058
    E-8$2,289
    E-9$2,382
    W-1$2,010
    W-2$2,286
    W-3$2,394
    W-4$2,565
    W-5$2,652
    O-1E$2,211
    O-2E$2,361
    O-3E$2,544
    O-1$1,890
    O-2$2,166
    O-3$2,427
    O-4$2,631
    O-5$2,676
    O-6$2,754
    O-7$2,802

    Promoting to O-2 here adds $276 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 Buffalo to New York City at O-1 is worth $3,177 a month — about 12 promotions worth of housing allowance, at $276 per grade here.

    02

    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.

    03

    None of it is taxed. $1,890 a month of BAH takes more than $1,890 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.