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
    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
    WithWithout

    O-5 without dependents at Cincinnati draws $2,562 per month in 2026

    Permalinkbahratedesk.com/cincinnati-oh/o-5/without/ExcelCSVDownloads cover this station.
    Cincinnati, OH
    O-5 · without dependents
    $2,562/ month
    $30,744 / year
    At O-5, this is #154 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA OH228 · ZIPs 45001 45002 45003 45004 45011 45012 +94 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$3,285 / mo gross
    Other dependency status here$3,060 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Cincinnati — full sheetTap 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
    PCS compareCincinnati · O-5 · $2,562/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▲ RAISE+$372+$4,464/yr · like +$5,723 of salary

    What this rate means

    O-5 without dependents, every station0 – $6,162 / month
    Westchester County$6,162
    San Francisco$5,499
    New York City$5,346
    Nantucket$5,310
    Maui County$5,268
    Santa Clara County$5,100
    Northern New Jersey$5,070
    Boston$5,019
    Long Island$4,938
    Martha's Vineyard$4,854
    Florida Keys$4,659
    Hanscom AFB$4,647
    Camp Pendleton$4,548
    Kauai County$4,503
    Monterey$4,464
    San Diego$4,458
    Staten Island$4,416
    Essex CO$4,389
    Los Angeles$4,386
    Miami$4,323
    West Point$4,269
    Oakland$4,254
    Cape Cod-Plymouth$4,248
    Fort Monmouth$4,224
    Honolulu County$4,224
    Trenton$4,203
    Portsmouth$4,167
    Perth Amboy$4,161
    Ventura$4,122
    San Luis Obispo$4,101
    Seattle$4,086
    Burlington$4,020
    Marin$4,011
    Portland$3,996
    Manchester$3,960
    Washington$3,909
    Hawaii County$3,885
    Newport$3,873
    Fitchburg$3,831
    West Palm Beach$3,822
    Providence$3,792
    New Haven$3,780
    Chicago$3,711
    Vandenberg SFB$3,711
    County Cost Group 890$3,699
    Riverside$3,627
    Worcester$3,606
    Hartford$3,588
    Santa Fe$3,585
    Boulder$3,561
    Indian Head Navordsta$3,543
    Warrenton$3,543
    Vallejo$3,513
    JB McGuire-Dix-Lakehurst$3,495
    Atlantic City$3,486
    Juneau$3,483
    Everett$3,435
    Willow Grove$3,408
    San Bernardino$3,390
    County Cost Group 880$3,369
    Sitka$3,348
    Fort G. G. Meade$3,345
    Annapolis$3,342
    Brunswick$3,312
    Quantico$3,252
    Ann Arbor$3,240
    Madison$3,216
    Edwards AFB$3,207
    New London$3,204
    Hampden County$3,201
    Austin$3,198
    Fort Detrick$3,168
    JB Elmendorf-Richardson$3,162
    Stockton$3,156
    County Cost Group 870$3,153
    Ketchikan$3,141
    Beale AFB$3,135
    Denver$3,135
    Cape May$3,129
    Ballston Spa$3,081
    Eglin AFB$3,066
    Tampa$3,057
    Astoria$3,045
    Baltimore$3,045
    Kodiak Island$3,039
    Fort Myers Beach$3,036
    JB Lewis-McChord$3,030
    Outer Banks$3,018
    Sacramento$3,003
    Milwaukee$2,994
    Philadelphia$2,985
    Port Angeles$2,982
    County Cost Group 860$2,976
    Fort Pierce$2,970
    Orlando$2,970
    Whidbey Island$2,958
    Traverse City$2,955
    Aberdeen Proving Grounds$2,934
    Bridgeport$2,922
    Bremerton$2,913
    Portland$2,913
    Charlottesville$2,907
    Great Lakes Navtracen$2,907
    Oxford$2,907
    County Cost Group 850$2,892
    Patrick SFB$2,892
    Fresno$2,880
    Allentown$2,853
    Minneapolis$2,844
    Beaufort$2,832
    Dover AFB$2,832
    Abilene$2,829
    Corvallis$2,826
    Dallas$2,826
    Rome$2,811
    County Cost Group 840$2,796
    Knoxville$2,796
    Asheville$2,793
    Coastal Maine$2,790
    Dahlgren$2,781
    Reno$2,736
    Fairbanks$2,733
    Nashville$2,724
    County Cost Group 830$2,721
    Spokane$2,721
    Atlanta$2,715
    St. Louis$2,703
    Twenty Nine Palms MCB$2,703
    Richmond$2,694
    Savannah$2,694
    Detroit$2,688
    Fort Collins$2,688
    Buffalo$2,676
    Helena$2,670
    Patuxent River$2,670
    Charleston$2,664
    Rochester$2,652
    Eugene$2,643
    Syracuse$2,640
    College Station$2,634
    Humboldt County$2,634
    County Cost Group 820$2,625
    Norfolk$2,625
    Barstow$2,616
    Houston$2,616
    Pittsburgh$2,613
    Elizabeth City$2,607
    Panama City$2,595
    Salt Lake City$2,586
    Salem$2,580
    Yakima$2,568
    Volusia County$2,565
    Wilmington$2,565
    Cincinnati$2,562
    Gainesville$2,556
    Birmingham$2,535
    County Cost Group 810$2,520
    Dahlonega$2,520
    Fort Stewart$2,520
    Fort Carson$2,517
    Grand Haven$2,514
    Coos Bay$2,508
    Omaha$2,502
    Carlisle Barracks$2,475
    New Orleans$2,472
    Phoenix$2,463
    Chattanooga$2,460
    El Centro$2,460
    State College$2,454
    Durham$2,451
    Battle Creek$2,445
    Charlotte$2,445
    Myrtle Beach$2,445
    Hampton$2,442
    Columbus$2,439
    Cleveland$2,430
    Fargo$2,430
    Fort Worth$2,430
    Bloomington$2,418
    Grand Rapids$2,418
    County Cost Group 800$2,409
    Ocala$2,409
    Provo$2,403
    Eastern Panhandle$2,376
    Tallahassee$2,376
    Lemoore NAS$2,367
    Corpus Christi$2,364
    Jackson$2,361
    Rapid City$2,361
    Albuquerque$2,358
    Eastern Shore$2,355
    Raleigh$2,352
    Duluth$2,346
    Cheyenne$2,343
    County Cost Group 790$2,334
    Des Moines$2,334
    Fort Campbell$2,334
    Louisville$2,331
    Bangor$2,328
    Memphis$2,325
    Boise$2,319
    Waco$2,319
    Kings Bay$2,304
    Fort Knox$2,301
    Jacksonville$2,301
    Nellis AFB$2,301
    Bismarck$2,292
    Ogden$2,292
    Fort Leavenworth$2,283
    Morehead$2,265
    Rock Island$2,265
    Mountain Home AFB$2,259
    Indianapolis$2,253
    County Cost Group 780$2,250
    Johnson City$2,247
    Fort Drum$2,244
    Pensacola$2,244
    Kansas City$2,241
    Marquette$2,232
    Wichita Fls$2,229
    Fayetteville$2,223
    Auburn$2,202
    Fort Huachuca$2,202
    Roanoke$2,202
    Baton Rouge$2,199
    Fort Gordon$2,199
    Lincoln$2,199
    Scott AFB$2,196
    Greensboro$2,187
    County Cost Group 770$2,184
    Lexington$2,175
    Columbia$2,172
    Fort Bliss$2,172
    Toledo$2,172
    Fort Hood$2,169
    Fort Wayne$2,163
    Shreveport$2,163
    Davis-Monthan AFB$2,154
    Huntsville$2,154
    Greenville$2,142
    Mobile$2,136
    Champaign$2,115
    Lansing$2,115
    Laughlin AFB$2,115
    Whiteman AFB$2,112
    County Cost Group 760$2,109
    Fallon NAS$2,109
    Fort Bragg$2,109
    Grand Forks$2,109
    Seymour Johnson AFB$2,109
    San Antonio (JBSA)$2,100
    Columbus AFB$2,097
    Malmstrom SFB$2,088
    Minot AFB$2,088
    Tulsa$2,076
    Lexington$2,064
    Robins AFB$2,064
    Sioux Falls$2,064
    County Cost Group 750$2,061
    Fort Rucker$2,058
    Goodfellow AFB$2,046
    Brownsville$2,040
    Akron$2,037
    Wright-Patterson AFB$2,028
    Paducah$2,022
    Camp Lejeune$2,016
    Fort Benning$2,013
    County Cost Group 740$2,007
    White Sands MR$2,007
    Wilkes-Barre$2,007
    Frankfort$2,001
    Sumter$1,998
    China Lake$1,995
    Terre Haute$1,992
    Springfield$1,986
    County Cost Group 730$1,974
    Topeka$1,974
    Morgantown$1,971
    Gulfport$1,968
    Moody AFB$1,959
    Peoria$1,956
    Yuma$1,956
    Lubbock$1,953
    Lafayette$1,950
    Little Rock$1,950
    County Cost Group 720$1,947
    Sault Ste Marie$1,947
    Columbia$1,938
    Beaumont$1,926
    County Cost Group 710$1,926
    Montgomery$1,923
    St Mary And Terrebonne$1,923
    Springfield$1,920
    Oklahoma City$1,911
    County Cost Group 700$1,908
    Albany$1,899
    Fort Leonard Wood$1,899
    County Cost Group 690$1,893
    Fort Polk$1,884
    Holloman AFB$1,884
    Sparta$1,884
    County Cost Group 680$1,878
    Fort Riley$1,875
    Alexandria$1,872
    County Cost Group 670$1,869
    County Cost Group 660$1,857
    Lake Charles$1,854
    Charleston$1,848
    County Cost Group 650$1,848
    Huntington$1,848
    Fort Chaffee$1,842
    County Cost Group 640$1,839
    Wichita$1,833
    County Cost Group 630$1,830
    County Cost Group 620$1,821
    County Cost Group 610$1,815
    Vance AFB$1,812
    County Cost Group 600$1,806
    County Cost Group 590$1,794
    Saginaw$1,791
    Meridian$1,788
    County Cost Group 580$1,782
    Erie$1,782
    Hattiesburg$1,779
    County Cost Group 570$1,770
    County Cost Group 560$1,761
    Altus AFB$1,758
    Cannon AFB$1,755
    County Cost Group 550$1,749
    County Cost Group 540$1,740
    County Cost Group 530$1,734
    County Cost Group 520$1,731
    County Cost Group 510$1,725
    Stevens Point$1,716
    Fort Sill$1,704
    Monroe$1,674
    Anniston$1,596
    Youngstown$1,593

    Cincinnati is #154 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 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-6 here adds $21 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Cincinnati to Westchester County at O-5 is worth $3,600 a month — about 171 promotions worth of housing allowance, at $21 per grade here.

    02

    Dependency status is worth 19% 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.

    03

    None of it is taxed. $2,562 a month of BAH takes more than $2,562 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    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.