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

Press Enter to look it up.

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
With $1,377 Without $1,161

E-5 at Columbia draws $1,377 per month with dependents in 2026, $1,161 without

Permalink bahratedesk.com/columbia-jefferson-city-mo/ Excel CSV
Columbia/Jefferson City, MO
E-5 · with dependents
$1,377/ month
$16,524 / year
At E-5, this is #314 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA MO165 · ZIPs 63388 65010 65023 65032 65039 65040 +39 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $1,765 / mo gross
Without dependents here $1,161 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Columbia · E-5 · $1,377/mo
Columbia $1,377/mo · $16,524/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.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Columbia — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,284 $1,134
E-2 $1,284 $1,134
E-3 $1,284 $1,134
E-4 $1,284 $1,134
E-5 $1,377 $1,161
E-6 $1,623 $1,215
E-7 $1,803 $1,353
E-8 $2,001 $1,500
E-9 $2,199 $1,650
Warrant officer
W-1 $1,644 $1,266
W-2 $1,884 $1,428
W-3 $2,127 $1,653
W-4 $2,226 $1,689
W-5 $2,352 $1,848
Officer — prior enlisted
O-1E $1,839 $1,380
O-2E $2,091 $1,569
O-3E $2,247 $1,686
Officer
O-1 $1,413 $1,191
O-2 $1,620 $1,356
O-3 $2,118 $1,656
O-4 $2,391 $1,812
O-5 $2,583 $1,938
O-6 $2,604 $2,106
O-7 $2,619 $2,139

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
County Cost Group 610 $1,410
Frankfort $1,410
Charleston $1,404
County Cost Group 600 $1,404
Columbus AFB $1,398
Hattiesburg $1,395
Sparta $1,395
County Cost Group 590 $1,392
Springfield $1,389
County Cost Group 580 $1,380
Columbia $1,377
Wichita $1,377
Albany $1,371
County Cost Group 570 $1,371
Cannon AFB $1,365
Paducah $1,365
County Cost Group 560 $1,362
Lake Charles $1,356
County Cost Group 550 $1,353
County Cost Group 540 $1,344
County Cost Group 530 $1,338
Anniston $1,185

Columbia is #314 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Columbia0 – $2,619 / month
E-1 $1,284
E-2 $1,284
E-3 $1,284
E-4 $1,284
E-5 $1,377
E-6 $1,623
E-7 $1,803
E-8 $2,001
E-9 $2,199
W-1 $1,644
W-2 $1,884
W-3 $2,127
W-4 $2,226
W-5 $2,352
O-1E $1,839
O-2E $2,091
O-3E $2,247
O-1 $1,413
O-2 $1,620
O-3 $2,118
O-4 $2,391
O-5 $2,583
O-6 $2,604
O-7 $2,619

The pay chart moves this allowance far less than the map does.

Moving from Columbia to San Francisco at E-5 is worth $3,750 a month — about 15 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.