Official data current

Cincinnati BAH rates

Verified · Effective 2026-01-01 · MHA OH228

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O-5 · With dependents
$3,060per month

$36,720 per year · federal tax-free allowance

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

National position #165 of 338O-5 · with dependents reference
Taxable-pay equivalent$3,923/mo Using the stated 22% comparison rate
Year-over-year change+$177/mo · +6.1%2025 $2,883 → 2026 $3,060
O-5 rate selectedMHA OH228 ZIPs 45001 45002 45003 45004 45011 45012 +94
PCS compare Cincinnati · O-5 · with dep. · $3,060/mo
Cincinnati $3,060/mo · $36,720/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$2,883
2026$3,060

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Cincinnati — full sheet Tap a row

What this rate means

O-5 with dependents, nearest stations0 – $8,064 / month
Westchester County $8,064
County Cost Group 810 $3,129
Fort Stewart $3,129
Coos Bay $3,117
Hampton $3,099
Tallahassee $3,099
Salt Lake City $3,096
Waco $3,093
Jackson $3,084
Dover AFB $3,081
Carlisle Barracks $3,069
Cincinnati $3,060
New Orleans $3,060
Panama City $3,060
Charleston $3,039
Eastern Panhandle $3,027
Fort Campbell $3,006
County Cost Group 800 $2,997
Myrtle Beach $2,982
El Centro $2,976
Battle Creek $2,973
Louisville $2,973
Youngstown $1,827

Cincinnati is #165 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 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 Westchester County at O-5 is worth $5,004 a month — about 209 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…