BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

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

Duty station or MHA

Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.

Or type your rank

Press Enter to look it up.

Enlisted
E-1E-2E-3E-4E-5E-6E-7E-8E-9
Warrant
W-1W-2W-3W-4W-5
Prior enl.
O-1EO-2EO-3E
Officer
O-1O-2O-3O-4O-5O-6O-7
Dependents
With $2,283 Without $1,713

E-5 at Cincinnati draws $2,283 per month with dependents in 2026, $1,713 without

Permalink bahratedesk.com/cincinnati-oh/ Excel CSV
Cincinnati, OH
E-5 · with dependents
$2,283/ month
$27,396 / year
At E-5, this is #126 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA OH228 · ZIPs 45001 45002 45003 45004 45011 45012 +94 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,927 / mo gross
Without dependents here $1,713 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Cincinnati · E-5 · $2,283/mo
Cincinnati $2,283/mo · $27,396/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.

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

Cincinnati — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $2,031 $1,524
E-2 $2,031 $1,524
E-3 $2,031 $1,524
E-4 $2,031 $1,524
E-5 $2,283 $1,713
E-6 $2,526 $1,893
E-7 $2,553 $2,040
E-8 $2,583 $2,337
E-9 $2,676 $2,400
Warrant officer
W-1 $2,544 $1,953
W-2 $2,565 $2,334
W-3 $2,607 $2,412
W-4 $2,703 $2,523
W-5 $2,829 $2,559
Officer — prior enlisted
O-1E $2,556 $2,280
O-2E $2,595 $2,385
O-3E $2,724 $2,517
Officer
O-1 $2,322 $1,776
O-2 $2,523 $2,202
O-3 $2,604 $2,433
O-4 $2,868 $2,544
O-5 $3,060 $2,562
O-6 $3,084 $2,583
O-7 $3,105 $2,625

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Ocala $2,370
Bremerton $2,364
Detroit $2,361
Fort Carson $2,358
Richmond $2,358
County Cost Group 840 $2,322
Dahlgren $2,313
Fort Stewart $2,310
Phoenix $2,289
Volusia County $2,286
Cincinnati $2,283
Pittsburgh $2,283
Dover AFB $2,277
Hampton $2,274
Fort Collins $2,268
Nashville $2,268
County Cost Group 830 $2,250
Austin $2,241
Asheville $2,214
Buffalo $2,214
Rochester $2,214
Anniston $1,185

Cincinnati is #126 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Cincinnati0 – $3,105 / month
E-1 $2,031
E-2 $2,031
E-3 $2,031
E-4 $2,031
E-5 $2,283
E-6 $2,526
E-7 $2,553
E-8 $2,583
E-9 $2,676
W-1 $2,544
W-2 $2,565
W-3 $2,607
W-4 $2,703
W-5 $2,829
O-1E $2,556
O-2E $2,595
O-3E $2,724
O-1 $2,322
O-2 $2,523
O-3 $2,604
O-4 $2,868
O-5 $3,060
O-6 $3,084
O-7 $3,105

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

Moving from Cincinnati to San Francisco at E-5 is worth $2,844 a month — about 12 promotions at this grade. Where you are stationed outweighs rank, by a lot.

Things the rate table doesn't 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.