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 without dependents at Champaign draws $1,530 per month in 2026

    Permalinkbahratedesk.com/champaign-urbana-il/o-2/without/ExcelCSVDownloads cover this station.
    Champaign/Urbana, IL
    O-2 · without dependents
    $1,530/ month
    $18,360 / year
    At O-2, this is #279 of 338 stations loaded · high New York City $5,091 · low Youngstown $1,176
    MHA IL088 · ZIPs 60949 61801 61802 61803 61815 61816 +27 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$1,962 / mo gross
    Other dependency status here$1,977 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Champaign — full sheetTap 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
    PCS compareChampaign · O-2 · $1,530/mo
    Aberdeen Proving Grounds$2,412/mo · $28,944/yr
    ▲ RAISE+$882+$10,584/yr · like +$13,569 of salary

    What this rate means

    O-2 without dependents, nearest stations0 – $5,091 / month
    New York City$5,091
    Seymour Johnson AFB$1,542
    Lexington$1,539
    Holloman AFB$1,536
    Fort Rucker$1,533
    Champaign$1,530
    County Cost Group 730$1,524
    Moody AFB$1,521
    Beaumont$1,515
    County Cost Group 720$1,503
    Youngstown$1,176

    Champaign is #279 of 338. The spread between the dearest and cheapest station at this grade is $3,915 a month — $46,980 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

    Promoting to O-3 here adds $288 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 Champaign to New York City at O-2 is worth $3,561 a month — about 12 promotions worth of housing allowance, at $288 per grade here.

    02

    Dependency status is worth 29% 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. $1,530 a month of BAH takes more than $1,530 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.