What is E-9 BAH at Champaign in 2026?

$1,761 per month without dependents ($21,132 per year), effective 01 JAN 2026. with dependents it is $2,238 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

E-9 BAH at Champaign 2026 — $1,761/mo without dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Champaign/Urbana, IL

E-9 · without dependents

$1,761/ month

$21,132 / year

At E-9, this is #262 of 338 stations loaded · high San Francisco $5,286 · low Anniston $1,335

MHA IL088 · ZIPs 60949 61801 61802 61803 61815 61816 +27 more

Your grade is calledARMYSGM / CSMUSMCMGySgt / SgtMajNAVYMCPOUSAFCMSgt

Untaxed — matching it with taxable pay takes$2,258 / mo gross

Other dependency status here$2,238 with dependents

In government quarters, no dependents$50.10 / mo partial

Champaign — full sheetTap a row

Grade	With 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-9 without dependents, nearest stations0 – $5,286 / month

San Francisco$5,286

Whiteman AFB$1,767

Minot AFB$1,764

Yuma$1,764

Camp Lejeune$1,761

Champaign$1,761

Fort Rucker$1,761

Malmstrom SFB$1,761

Akron$1,752

Wright-Patterson AFB$1,746

Anniston$1,335

Champaign is #262 of 338. The spread between the dearest and cheapest station at this grade is $3,951 a month — $47,412 a year, untaxed.

Every pay grade at Champaign0 – $2,145 / month

E-1$1,230

E-2$1,230

E-3$1,230

E-4$1,230

E-5$1,329

E-6$1,485

E-7$1,527

E-8$1,632

E-9$1,761

W-1$1,500

W-2$1,629

W-3$1,776

W-4$1,989

W-5$2,046

O-1E$1,536

O-2E$1,731

O-3E$1,974

O-1$1,392

O-2$1,530

O-3$1,818

O-4$2,028

O-5$2,115

O-6$2,130

O-7$2,145

Rates flatten out at the top of each track, which is why the sheet stops at O-7.

Dependency status is worth 27% 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.

None of it is taxed. $1,761 a month of BAH takes more than $1,761 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

E-9 without dependents at Champaign draws $1,761 per month in 2026

What this rate means

Things the rate table doesn't tell you