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

Press Enter to look it up.

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
With $1,539 Without $1,329

E-5 at Champaign draws $1,539 per month with dependents in 2026, $1,329 without

Permalink bahratedesk.com/champaign-urbana-il/ Excel CSV
Champaign/Urbana, IL
E-5 · with dependents
$1,539/ month
$18,468 / year
At E-5, this is #276 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA IL088 · ZIPs 60949 61801 61802 61803 61815 61816 +27 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $1,973 / mo gross
Without dependents here $1,329 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Champaign · E-5 · $1,539/mo
Champaign $1,539/mo · $18,468/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.

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

Champaign — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,467 $1,230
E-2 $1,467 $1,230
E-3 $1,467 $1,230
E-4 $1,467 $1,230
E-5 $1,539 $1,329
E-6 $1,980 $1,485
E-7 $2,034 $1,527
E-8 $2,091 $1,632
E-9 $2,238 $1,761
Warrant officer
W-1 $2,001 $1,500
W-2 $2,058 $1,629
W-3 $2,130 $1,776
W-4 $2,280 $1,989
W-5 $2,466 $2,046
Officer — prior enlisted
O-1E $2,040 $1,536
O-2E $2,118 $1,731
O-3E $2,310 $1,974
Officer
O-1 $1,599 $1,392
O-2 $1,977 $1,530
O-3 $2,127 $1,818
O-4 $2,529 $2,028
O-5 $2,820 $2,115
O-6 $2,841 $2,130
O-7 $2,859 $2,145

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Akron $1,581
Goodfellow AFB $1,578
Fort Rucker $1,572
Peoria $1,572
China Lake $1,563
County Cost Group 730 $1,557
Sioux Falls $1,554
Johnson City $1,548
Minot AFB $1,548
Scott AFB $1,542
Champaign $1,539
County Cost Group 720 $1,536
Lexington $1,536
Sault Ste Marie $1,536
Huntington $1,533
Springfield $1,527
Moody AFB $1,524
Seymour Johnson AFB $1,521
Beaumont $1,518
County Cost Group 710 $1,515
Brownsville $1,503
Anniston $1,185

Champaign is #276 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Champaign0 – $2,859 / month
E-1 $1,467
E-2 $1,467
E-3 $1,467
E-4 $1,467
E-5 $1,539
E-6 $1,980
E-7 $2,034
E-8 $2,091
E-9 $2,238
W-1 $2,001
W-2 $2,058
W-3 $2,130
W-4 $2,280
W-5 $2,466
O-1E $2,040
O-2E $2,118
O-3E $2,310
O-1 $1,599
O-2 $1,977
O-3 $2,127
O-4 $2,529
O-5 $2,820
O-6 $2,841
O-7 $2,859

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

Moving from Champaign to San Francisco at E-5 is worth $3,588 a month — about 8 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.