Official data current

Chicago BAH rates

Verified · Effective 2026-01-01 · MHA IL325

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E-6 · With dependents
$3,702per month

$44,424 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #36 of 338E-6 · with dependents reference
Taxable-pay equivalent$4,746/mo Using the stated 22% comparison rate
Year-over-year change+$384/mo · +11.6%2025 $3,318 → 2026 $3,702
E-6 rate selectedMHA IL325 ZIPs 60004 60005 60006 60007 60008 60009 +292
PCS compare Chicago · E-6 · with dep. · $3,702/mo
Chicago $3,702/mo · $44,424/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.

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

Open full comparison

Rate history

How updates work
2025$3,318
2026$3,702

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Chicago — full sheet Tap a row

What this rate means

E-6 with dependents, nearest stations0 – $5,454 / month
San Francisco $5,454
Honolulu County $3,912
Seattle $3,906
Monterey $3,867
Hawaii County $3,837
Marin $3,819
Miami $3,792
Washington $3,759
Essex CO $3,744
Burlington $3,741
New Haven $3,723
Chicago $3,702
Portsmouth $3,690
Vandenberg SFB $3,642
West Palm Beach $3,606
Portland $3,576
Riverside $3,549
Manchester $3,525
County Cost Group 890 $3,522
Vallejo $3,498
Fitchburg $3,468
Providence $3,456
Youngstown $1,335

Chicago is #36 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 Chicago0 – $4,152 / month
E-1 $3,174
E-2 $3,174
E-3 $3,174
E-4 $3,174
E-5 $3,438
E-6 $3,702
E-7 $3,723
E-8 $3,732
E-9 $3,771
W-1 $3,720
W-2 $3,729
W-3 $3,741
W-4 $3,795
W-5 $3,900
O-1E $3,726
O-2E $3,735
O-3E $3,810
O-1 $3,477
O-2 $3,699
O-3 $3,738
O-4 $3,927
O-5 $4,086
O-6 $4,122
O-7 $4,152

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

Moving from Chicago to San Francisco at E-6 is worth $1,752 a month — about 83 promotions at this grade. Where you are stationed outweighs rank, by a lot.

What the rate table does not 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.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…