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-6 with dependents at Cleveland draws $3,246 per month in 2026

    Permalinkbahratedesk.com/cleveland-oh/o-6/with/ExcelCSVDownloads cover this station.
    Cleveland, OH
    O-6 · with dependents
    $3,246/ month
    $38,952 / year
    At O-6, this is #145 of 338 stations loaded · high Westchester County $8,136 · low Youngstown $1,839
    MHA OH229 · ZIPs 44001 44011 44012 44017 44021 44022 +97 more
    Your grade is calledARMYCOLUSMCColNAVYCAPTUSAFCol
    Untaxed — matching it with taxable pay takes$4,162 / mo gross
    Other dependency status here$2,436 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Cleveland — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,791$1,344
    E-2$1,791$1,344
    E-3$1,791$1,344
    E-4$1,791$1,344
    E-5$1,998$1,500
    E-6$2,418$1,815
    E-7$2,442$1,833
    E-8$2,451$2,088
    E-9$2,559$2,208
    Warrant officer
    W-1$2,439$1,830
    W-2$2,448$2,085
    W-3$2,460$2,226
    W-4$2,604$2,415
    W-5$2,817$2,427
    Officer — prior enlisted
    O-1E$2,445$1,995
    O-2E$2,454$2,181
    O-3E$2,637$2,412
    Officer
    O-1$2,055$1,578
    O-2$2,415$1,932
    O-3$2,457$2,265
    O-4$2,889$2,418
    O-5$3,222$2,430
    O-6$3,246$2,436
    O-7$3,267$2,451
    PCS compareCleveland · O-6 · $3,246/mo
    Aberdeen Proving Grounds$3,660/mo · $43,920/yr
    ▲ RAISE+$414+$4,968/yr · like +$6,369 of salary

    What this rate means

    O-6 with dependents, nearest stations0 – $8,136 / month
    Westchester County$8,136
    Richmond$3,255
    Salem$3,252
    Bloomington$3,249
    Rochester$3,249
    Cleveland$3,246
    Nashville$3,243
    Chattanooga$3,228
    Syracuse$3,225
    Spokane$3,222
    Youngstown$1,839

    Cleveland is #145 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 Cleveland0 – $3,267 / month
    E-1$1,791
    E-2$1,791
    E-3$1,791
    E-4$1,791
    E-5$1,998
    E-6$2,418
    E-7$2,442
    E-8$2,451
    E-9$2,559
    W-1$2,439
    W-2$2,448
    W-3$2,460
    W-4$2,604
    W-5$2,817
    O-1E$2,445
    O-2E$2,454
    O-3E$2,637
    O-1$2,055
    O-2$2,415
    O-3$2,457
    O-4$2,889
    O-5$3,222
    O-6$3,246
    O-7$3,267

    Promoting to O-7 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 Cleveland to Westchester County at O-6 is worth $4,890 a month — about 233 promotions worth of housing allowance, at $21 per grade here.

    02

    Dependency status is worth 33% 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. $3,246 a month of BAH takes more than $3,246 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.