Official data current

Chicago BAH rates

Verified · Effective 2026-01-01 · MHA IL325

Don't know your pay grade? Use a rank name
Rank name

Press Enter to look it up.

O-7 · With dependents
$4,152per month

$49,824 per year · federal tax-free allowance

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

National position #57 of 338O-7 · with dependents reference
Taxable-pay equivalent$5,323/mo Using the stated 22% comparison rate
Year-over-year change+$276/mo · +7.1%2025 $3,876 → 2026 $4,152
O-7 rate selectedMHA IL325 ZIPs 60004 60005 60006 60007 60008 60009 +292
PCS compare Chicago · O-7 · with dep. · $4,152/mo
Chicago $4,152/mo · $49,824/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$3,876
2026$4,152

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

O-7 with dependents, nearest stations0 – $8,208 / month
Westchester County $8,208
Atlantic City $4,365
Indian Head Navordsta $4,344
Hawaii County $4,332
Boulder $4,287
County Cost Group 880 $4,203
Ann Arbor $4,191
JB McGuire-Dix-Lakehurst $4,188
Annapolis $4,164
Austin $4,161
JB Elmendorf-Richardson $4,161
Chicago $4,152
Juneau $4,140
Quantico $4,128
Stockton $4,110
Santa Fe $4,086
Fort G. G. Meade $4,077
Ketchikan $4,065
Riverside $4,065
Madison $4,056
Hampden County $4,038
Cape May $4,032
Youngstown $1,845

Chicago is #57 of 338. The spread between the dearest and cheapest station at this grade is $6,363 a month — $76,356 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.

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…