What is O-6 BAH at Cincinnati in 2026?

$3,084 per month with dependents ($37,008 per year), effective 01 JAN 2026. without dependents it is $2,583 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-6 BAH at Cincinnati 2026 — $3,084/mo with dependents

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

Cincinnati, OH

O-6 · with dependents

$3,084/ month

$37,008 / year

At O-6, this is #165 of 338 stations loaded · high Westchester County $8,136 · low Youngstown $1,839

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

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Untaxed — matching it with taxable pay takes$3,954 / mo gross

Other dependency status here$2,583 without 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-6 with dependents, nearest stations0 – $8,136 / month

Westchester County$8,136

Waco$3,117

Jackson$3,108

Dover AFB$3,105

Carlisle Barracks$3,093

Cincinnati$3,084

New Orleans$3,084

Panama City$3,084

Charleston$3,060

Eastern Panhandle$3,051

Youngstown$1,839

Cincinnati is #165 of 338. The spread between the dearest and cheapest station at this grade is $6,297 a month — $75,564 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

Promoting to O-7 here adds $21 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 Westchester County at O-6 is worth $5,052 a month — about 241 promotions worth of housing allowance, at $21 per grade here.

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.

None of it is taxed. $3,084 a month of BAH takes more than $3,084 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-6 with dependents at Cincinnati draws $3,084 per month in 2026

What this rate means

Things the rate table doesn't tell you