Official data current

Chicago BAH rates

Verified · Effective 2026-01-01 · MHA IL325

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W-3 · With dependents
$3,741per month

$44,892 per year · federal tax-free allowance

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

National position #48 of 338W-3 · with dependents reference
Taxable-pay equivalent$4,796/mo Using the stated 22% comparison rate
Year-over-year change+$384/mo · +11.4%2025 $3,357 → 2026 $3,741
W-3 rate selectedMHA IL325 ZIPs 60004 60005 60006 60007 60008 60009 +292
PCS compare Chicago · W-3 · with dep. · $3,741/mo
Chicago $3,741/mo · $44,892/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.

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Rate history

How updates work
2025$3,357
2026$3,741

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-3 with dependents, nearest stations0 – $6,654 / month
Westchester County $6,654
Washington $4,023
Providence $4,017
West Palm Beach $3,981
Hawaii County $3,948
New Haven $3,846
County Cost Group 890 $3,831
Brunswick $3,783
Vandenberg SFB $3,783
Hartford $3,765
Worcester $3,759
Chicago $3,741
Boulder $3,714
Santa Fe $3,714
Riverside $3,708
Indian Head Navordsta $3,672
Warrenton $3,669
Atlantic City $3,627
Juneau $3,597
Everett $3,570
JB McGuire-Dix-Lakehurst $3,555
Vallejo $3,540
Anniston $1,689

Chicago is #48 of 338. The spread between the dearest and cheapest station at this grade is $4,965 a month — $59,580 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-3 is worth $2,913 a month — about 54 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…