Official data current

Chicago BAH rates

Verified · Effective 2026-01-01 · MHA IL325

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W-2 · With dependents
$3,729per month

$44,748 per year · federal tax-free allowance

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

National position #43 of 338W-2 · with dependents reference
Taxable-pay equivalent$4,781/mo Using the stated 22% comparison rate
Year-over-year change+$384/mo · +11.5%2025 $3,345 → 2026 $3,729
W-2 rate selectedMHA IL325 ZIPs 60004 60005 60006 60007 60008 60009 +292
PCS compare Chicago · W-2 · with dep. · $3,729/mo
Chicago $3,729/mo · $44,748/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$3,345
2026$3,729

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

W-2 with dependents, nearest stations0 – $6,036 / month
Westchester County $6,036
Burlington $3,984
Portland $3,936
Manchester $3,897
Washington $3,894
Hawaii County $3,891
Newport $3,813
West Palm Beach $3,798
New Haven $3,786
Fitchburg $3,780
Providence $3,747
Chicago $3,729
Vandenberg SFB $3,714
County Cost Group 890 $3,681
Riverside $3,627
Worcester $3,582
Santa Fe $3,570
Hartford $3,555
Boulder $3,537
Indian Head Navordsta $3,528
Warrenton $3,528
Vallejo $3,522
Youngstown $1,560

Chicago is #43 of 338. The spread between the dearest and cheapest station at this grade is $4,476 a month — $53,712 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 Westchester County at W-2 is worth $2,307 a month — about 192 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…