What is O-5 BAH at Charlottesville in 2026?

$2,907 per month without dependents ($34,884 per year), effective 01 JAN 2026. with dependents it is $3,540 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.

O-5 BAH at Charlottesville 2026 — $2,907/mo without dependents

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

Charlottesville, VA

O-5 · without dependents

$2,907/ month

$34,884 / year

At O-5, this is #102 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593

MHA VA295 · ZIPs 22901 22902 22903 22904 22905 22906 +18 more

Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col

Untaxed — matching it with taxable pay takes$3,727 / mo gross

Other dependency status here$3,540 with dependents

In government quarters, no dependents$50.10 / mo partial

Charlottesville — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,259	$1,845
E-2	$2,259	$1,845
E-3	$2,259	$1,845
E-4	$2,259	$1,845
E-5	$2,373	$2,034
E-6	$2,715	$2,151
E-7	$2,835	$2,259
E-8	$2,964	$2,445
E-9	$3,129	$2,541
Warrant officer
W-1	$2,733	$2,232
W-2	$2,889	$2,442
W-3	$3,048	$2,556
W-4	$3,156	$2,739
W-5	$3,291	$2,865
Officer — prior enlisted
O-1E	$2,856	$2,370
O-2E	$3,024	$2,520
O-3E	$3,177	$2,706
Officer
O-1	$2,421	$2,142
O-2	$2,712	$2,340
O-3	$3,045	$2,589
O-4	$3,333	$2,838
O-5	$3,540	$2,907
O-6	$3,567	$3,027
O-7	$3,594	$3,081

What this rate means

O-5 without dependents, nearest stations0 – $6,162 / month

Westchester County$6,162

Aberdeen Proving Grounds$2,934

Bridgeport$2,922

Bremerton$2,913

Portland$2,913

Charlottesville$2,907

Great Lakes Navtracen$2,907

Oxford$2,907

County Cost Group 850$2,892

Patrick SFB$2,892

Youngstown$1,593

Charlottesville is #102 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 a year, untaxed.

Every pay grade at Charlottesville0 – $3,081 / month

E-1$1,845

E-2$1,845

E-3$1,845

E-4$1,845

E-5$2,034

E-6$2,151

E-7$2,259

E-8$2,445

E-9$2,541

W-1$2,232

W-2$2,442

W-3$2,556

W-4$2,739

W-5$2,865

O-1E$2,370

O-2E$2,520

O-3E$2,706

O-1$2,142

O-2$2,340

O-3$2,589

O-4$2,838

O-5$2,907

O-6$3,027

O-7$3,081

Promoting to O-6 here adds $120 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Charlottesville to Westchester County at O-5 is worth $3,255 a month — about 27 promotions worth of housing allowance, at $120 per grade here.

Dependency status is worth 22% 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. $2,907 a month of BAH takes more than $2,907 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.

O-5 without dependents at Charlottesville draws $2,907 per month in 2026

What this rate means

Things the rate table doesn't tell you