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-1 with dependents at County Cost Group 540 draws $1,386 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-540/o-1/with/ExcelCSVDownloads cover this station.
    County Cost Group 540
    O-1 · with dependents
    $1,386/ month
    $16,632 / year
    At O-1, this is #324 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218
    MHA ZZ540 · ZIPs 24701 24712 24714 24715 24724 24729 +360 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$1,777 / mo gross
    Other dependency status here$1,140 without dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 540 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,242$1,005
    E-2$1,242$1,005
    E-3$1,242$1,005
    E-4$1,242$1,005
    E-5$1,344$1,086
    E-6$1,641$1,230
    E-7$1,707$1,281
    E-8$1,782$1,407
    E-9$1,890$1,488
    Warrant officer
    W-1$1,659$1,245
    W-2$1,737$1,404
    W-3$1,830$1,503
    W-4$1,911$1,650
    W-5$2,016$1,722
    Officer — prior enlisted
    O-1E$1,719$1,341
    O-2E$1,815$1,470
    O-3E$1,926$1,632
    Officer
    O-1$1,386$1,140
    O-2$1,638$1,314
    O-3$1,827$1,530
    O-4$2,046$1,704
    O-5$2,205$1,740
    O-6$2,220$1,806
    O-7$2,232$1,836
    PCS compareCounty Cost Group 540 · O-1 · $1,386/mo
    Aberdeen Proving Grounds$2,517/mo · $30,204/yr
    ▲ RAISE+$1,131+$13,572/yr · like +$17,400 of salary

    What this rate means

    O-1 with dependents, nearest stations0 – $5,172 / month
    San Francisco$5,172
    Cannon AFB$1,401
    Lake Charles$1,398
    County Cost Group 550$1,395
    Stevens Point$1,389
    County Cost Group 540$1,386
    County Cost Group 530$1,380
    County Cost Group 520$1,377
    Fort Riley$1,377
    County Cost Group 510$1,371
    Youngstown$1,218

    County Cost Group 540 is #324 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 a year, untaxed.

    Every pay grade at County Cost Group 5400 – $2,232 / month
    E-1$1,242
    E-2$1,242
    E-3$1,242
    E-4$1,242
    E-5$1,344
    E-6$1,641
    E-7$1,707
    E-8$1,782
    E-9$1,890
    W-1$1,659
    W-2$1,737
    W-3$1,830
    W-4$1,911
    W-5$2,016
    O-1E$1,719
    O-2E$1,815
    O-3E$1,926
    O-1$1,386
    O-2$1,638
    O-3$1,827
    O-4$2,046
    O-5$2,205
    O-6$2,220
    O-7$2,232

    Promoting to O-2 here adds $252 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 County Cost Group 540 to San Francisco at O-1 is worth $3,786 a month — about 15 promotions worth of housing allowance, at $252 per grade here.

    02

    Dependency status is worth 22% 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. $1,386 a month of BAH takes more than $1,386 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.