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-2 without dependents at Columbia draws $1,356 per month in 2026

    Permalinkbahratedesk.com/columbia-jefferson-city-mo/o-2/without/ExcelCSVDownloads cover this station.
    Columbia/Jefferson City, MO
    O-2 · without dependents
    $1,356/ month
    $16,272 / year
    At O-2, this is #318 of 338 stations loaded · high New York City $5,091 · low Youngstown $1,176
    MHA MO165 · ZIPs 63388 65010 65023 65032 65039 65040 +39 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$1,738 / mo gross
    Other dependency status here$1,620 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Columbia — full sheetTap 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
    PCS compareColumbia · O-2 · $1,356/mo
    Aberdeen Proving Grounds$2,412/mo · $28,944/yr
    ▲ RAISE+$1,056+$12,672/yr · like +$16,246 of salary

    What this rate means

    O-2 without dependents, nearest stations0 – $5,091 / month
    New York City$5,091
    Hattiesburg$1,374
    Albany$1,362
    County Cost Group 590$1,362
    Wichita$1,362
    Columbia$1,356
    County Cost Group 580$1,353
    County Cost Group 570$1,341
    Fort Chaffee$1,341
    Alexandria$1,338
    Youngstown$1,176

    Columbia is #318 of 338. The spread between the dearest and cheapest station at this grade is $3,915 a month — $46,980 a year, untaxed.

    Every pay grade at Columbia0 – $2,139 / month
    E-1$1,134
    E-2$1,134
    E-3$1,134
    E-4$1,134
    E-5$1,161
    E-6$1,215
    E-7$1,353
    E-8$1,500
    E-9$1,650
    W-1$1,266
    W-2$1,428
    W-3$1,653
    W-4$1,689
    W-5$1,848
    O-1E$1,380
    O-2E$1,569
    O-3E$1,686
    O-1$1,191
    O-2$1,356
    O-3$1,656
    O-4$1,812
    O-5$1,938
    O-6$2,106
    O-7$2,139

    Promoting to O-3 here adds $300 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 Columbia to New York City at O-2 is worth $3,735 a month — about 12 promotions worth of housing allowance, at $300 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. $1,356 a month of BAH takes more than $1,356 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.