What is O-1 BAH at Cincinnati in 2026?

$1,776 per month without dependents ($21,312 per year), effective 01 JAN 2026. with dependents it is $2,322 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-1 BAH at Cincinnati 2026 — $1,776/mo without dependents

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

Cincinnati, OH

O-1 · without dependents

$1,776/ month

$21,312 / year

At O-1, this is #162 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,074

MHA OH228 · ZIPs 45001 45002 45003 45004 45011 45012 +94 more

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$2,277 / mo gross

Other dependency status here$2,322 with dependents

In government quarters, no dependents$50.10 / mo partial

Cincinnati — full sheetTap a row

Grade	With 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

O-1 without dependents, nearest stations0 – $5,067 / month

New York City$5,067

Detroit$1,797

Provo$1,794

County Cost Group 810$1,779

Barstow$1,776

Cincinnati$1,776

Astoria$1,773

Albuquerque$1,770

Duluth$1,767

Boise$1,758

Youngstown$1,074

Cincinnati is #162 of 338. The spread between the dearest and cheapest station at this grade is $3,993 a month — $47,916 a year, untaxed.

Every pay grade at Cincinnati0 – $2,625 / month

E-1$1,524

E-2$1,524

E-3$1,524

E-4$1,524

E-5$1,713

E-6$1,893

E-7$2,040

E-8$2,337

E-9$2,400

W-1$1,953

W-2$2,334

W-3$2,412

W-4$2,523

W-5$2,559

O-1E$2,280

O-2E$2,385

O-3E$2,517

O-1$1,776

O-2$2,202

O-3$2,433

O-4$2,544

O-5$2,562

O-6$2,583

O-7$2,625

Promoting to O-2 here adds $426 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Cincinnati to New York City at O-1 is worth $3,291 a month — about 8 promotions worth of housing allowance, at $426 per grade here.

Dependency status is worth 31% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

None of it is taxed. $1,776 a month of BAH takes more than $1,776 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-1 without dependents at Cincinnati draws $1,776 per month in 2026

What this rate means

Things the rate table doesn't tell you