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-2 with dependents at Cape Cod-Plymouth draws $3,996 per month in 2026

    Permalinkbahratedesk.com/cape-cod-plymouth-ma/o-2/with/ExcelCSVDownloads cover this station.
    Cape Cod-Plymouth, MA
    O-2 · with dependents
    $3,996/ month
    $47,952 / year
    At O-2, this is #23 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332
    MHA MA124 · ZIPs 02018 02020 02040 02041 02044 02047 +104 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$5,123 / mo gross
    Other dependency status here$3,852 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Cape Cod-Plymouth — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,696$2,949
    E-2$3,696$2,949
    E-3$3,696$2,949
    E-4$3,696$2,949
    E-5$3,924$3,285
    E-6$3,999$3,492
    E-7$4,149$3,705
    E-8$4,317$3,948
    E-9$4,548$3,954
    Warrant officer
    W-1$4,014$3,627
    W-2$4,218$3,945
    W-3$4,425$3,960
    W-4$4,596$4,026
    W-5$4,803$4,188
    Officer — prior enlisted
    O-1E$4,179$3,921
    O-2E$4,395$3,951
    O-3E$4,626$3,987
    Officer
    O-1$3,942$3,465
    O-2$3,996$3,852
    O-3$4,419$3,966
    O-4$4,872$4,155
    O-5$5,196$4,248
    O-6$5,241$4,404
    O-7$5,283$4,485
    PCS compareCape Cod-Plymouth · O-2 · $3,996/mo
    Aberdeen Proving Grounds$2,739/mo · $32,868/yr
    ▼ CUT−$1,257−$15,084/yr · like −$19,338 of salary

    What this rate means

    O-2 with dependents, nearest stations0 – $5,451 / month
    San Francisco$5,451
    Fort Monmouth$4,077
    Perth Amboy$4,065
    Florida Keys$4,053
    Ventura$4,002
    Cape Cod-Plymouth$3,996
    Trenton$3,969
    San Luis Obispo$3,939
    Honolulu County$3,909
    Seattle$3,897
    Youngstown$1,332

    Cape Cod-Plymouth is #23 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 a year, untaxed.

    Every pay grade at Cape Cod-Plymouth0 – $5,283 / month
    E-1$3,696
    E-2$3,696
    E-3$3,696
    E-4$3,696
    E-5$3,924
    E-6$3,999
    E-7$4,149
    E-8$4,317
    E-9$4,548
    W-1$4,014
    W-2$4,218
    W-3$4,425
    W-4$4,596
    W-5$4,803
    O-1E$4,179
    O-2E$4,395
    O-3E$4,626
    O-1$3,942
    O-2$3,996
    O-3$4,419
    O-4$4,872
    O-5$5,196
    O-6$5,241
    O-7$5,283

    Promoting to O-3 here adds $423 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 Cape Cod-Plymouth to San Francisco at O-2 is worth $1,455 a month — about 3 promotions worth of housing allowance, at $423 per grade here.

    02

    Dependency status is worth 4% 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. $3,996 a month of BAH takes more than $3,996 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.