Official data current

Columbia BAH rates

Verified · Effective 2026-01-01 · MHA MO165

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O-5 · With dependents
$2,583per month

$30,996 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #266 of 338O-5 · with dependents reference
Taxable-pay equivalent$3,312/mo Using the stated 22% comparison rate
Year-over-year change+$147/mo · +6.0%2025 $2,436 → 2026 $2,583
O-5 rate selectedMHA MO165 ZIPs 63388 65010 65023 65032 65039 65040 +39
PCS compare Columbia · O-5 · with dep. · $2,583/mo
Columbia $2,583/mo · $30,996/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.

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

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Rate history

How updates work
2025$2,436
2026$2,583

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Columbia — full sheet Tap a row

What this rate means

O-5 with dependents, nearest stations0 – $8,064 / month
Westchester County $8,064
Morgantown $2,613
Fort Bragg $2,610
Pensacola $2,610
Huntsville $2,607
Lubbock $2,604
Little Rock $2,598
Sault Ste Marie $2,595
Fort Leavenworth $2,589
Moody AFB $2,589
Sumter $2,589
Columbia $2,583
County Cost Group 750 $2,583
Charlotte $2,577
Montgomery $2,565
St Mary And Terrebonne $2,565
Indianapolis $2,559
Beaumont $2,553
Camp Lejeune $2,553
Davis-Monthan AFB $2,550
Albany $2,532
County Cost Group 740 $2,520
Youngstown $1,827

Columbia is #266 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 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 Westchester County at O-5 is worth $5,481 a month — about 261 promotions at this grade. Where you are stationed outweighs rank, by a lot.

What the rate table does not 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.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…