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-5 without dependents at County Cost Group 540 draws $1,740 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-540/o-5/without/ExcelCSVDownloads cover this station.
    County Cost Group 540
    O-5 · without dependents
    $1,740/ month
    $20,880 / year
    At O-5, this is #330 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA ZZ540 · ZIPs 24701 24712 24714 24715 24724 24729 +360 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$2,231 / mo gross
    Other dependency status here$2,205 with 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-5 · $1,740/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▲ RAISE+$1,194+$14,328/yr · like +$18,369 of salary

    What this rate means

    O-5 without dependents, every station0 – $6,162 / month
    Westchester County$6,162
    San Francisco$5,499
    New York City$5,346
    Nantucket$5,310
    Maui County$5,268
    Santa Clara County$5,100
    Northern New Jersey$5,070
    Boston$5,019
    Long Island$4,938
    Martha's Vineyard$4,854
    Florida Keys$4,659
    Hanscom AFB$4,647
    Camp Pendleton$4,548
    Kauai County$4,503
    Monterey$4,464
    San Diego$4,458
    Staten Island$4,416
    Essex CO$4,389
    Los Angeles$4,386
    Miami$4,323
    West Point$4,269
    Oakland$4,254
    Cape Cod-Plymouth$4,248
    Fort Monmouth$4,224
    Honolulu County$4,224
    Trenton$4,203
    Portsmouth$4,167
    Perth Amboy$4,161
    Ventura$4,122
    San Luis Obispo$4,101
    Seattle$4,086
    Burlington$4,020
    Marin$4,011
    Portland$3,996
    Manchester$3,960
    Washington$3,909
    Hawaii County$3,885
    Newport$3,873
    Fitchburg$3,831
    West Palm Beach$3,822
    Providence$3,792
    New Haven$3,780
    Chicago$3,711
    Vandenberg SFB$3,711
    County Cost Group 890$3,699
    Riverside$3,627
    Worcester$3,606
    Hartford$3,588
    Santa Fe$3,585
    Boulder$3,561
    Indian Head Navordsta$3,543
    Warrenton$3,543
    Vallejo$3,513
    JB McGuire-Dix-Lakehurst$3,495
    Atlantic City$3,486
    Juneau$3,483
    Everett$3,435
    Willow Grove$3,408
    San Bernardino$3,390
    County Cost Group 880$3,369
    Sitka$3,348
    Fort G. G. Meade$3,345
    Annapolis$3,342
    Brunswick$3,312
    Quantico$3,252
    Ann Arbor$3,240
    Madison$3,216
    Edwards AFB$3,207
    New London$3,204
    Hampden County$3,201
    Austin$3,198
    Fort Detrick$3,168
    JB Elmendorf-Richardson$3,162
    Stockton$3,156
    County Cost Group 870$3,153
    Ketchikan$3,141
    Beale AFB$3,135
    Denver$3,135
    Cape May$3,129
    Ballston Spa$3,081
    Eglin AFB$3,066
    Tampa$3,057
    Astoria$3,045
    Baltimore$3,045
    Kodiak Island$3,039
    Fort Myers Beach$3,036
    JB Lewis-McChord$3,030
    Outer Banks$3,018
    Sacramento$3,003
    Milwaukee$2,994
    Philadelphia$2,985
    Port Angeles$2,982
    County Cost Group 860$2,976
    Fort Pierce$2,970
    Orlando$2,970
    Whidbey Island$2,958
    Traverse City$2,955
    Aberdeen Proving Grounds$2,934
    Bridgeport$2,922
    Bremerton$2,913
    Portland$2,913
    Charlottesville$2,907
    Great Lakes Navtracen$2,907
    Oxford$2,907
    County Cost Group 850$2,892
    Patrick SFB$2,892
    Fresno$2,880
    Allentown$2,853
    Minneapolis$2,844
    Beaufort$2,832
    Dover AFB$2,832
    Abilene$2,829
    Corvallis$2,826
    Dallas$2,826
    Rome$2,811
    County Cost Group 840$2,796
    Knoxville$2,796
    Asheville$2,793
    Coastal Maine$2,790
    Dahlgren$2,781
    Reno$2,736
    Fairbanks$2,733
    Nashville$2,724
    County Cost Group 830$2,721
    Spokane$2,721
    Atlanta$2,715
    St. Louis$2,703
    Twenty Nine Palms MCB$2,703
    Richmond$2,694
    Savannah$2,694
    Detroit$2,688
    Fort Collins$2,688
    Buffalo$2,676
    Helena$2,670
    Patuxent River$2,670
    Charleston$2,664
    Rochester$2,652
    Eugene$2,643
    Syracuse$2,640
    College Station$2,634
    Humboldt County$2,634
    County Cost Group 820$2,625
    Norfolk$2,625
    Barstow$2,616
    Houston$2,616
    Pittsburgh$2,613
    Elizabeth City$2,607
    Panama City$2,595
    Salt Lake City$2,586
    Salem$2,580
    Yakima$2,568
    Volusia County$2,565
    Wilmington$2,565
    Cincinnati$2,562
    Gainesville$2,556
    Birmingham$2,535
    County Cost Group 810$2,520
    Dahlonega$2,520
    Fort Stewart$2,520
    Fort Carson$2,517
    Grand Haven$2,514
    Coos Bay$2,508
    Omaha$2,502
    Carlisle Barracks$2,475
    New Orleans$2,472
    Phoenix$2,463
    Chattanooga$2,460
    El Centro$2,460
    State College$2,454
    Durham$2,451
    Battle Creek$2,445
    Charlotte$2,445
    Myrtle Beach$2,445
    Hampton$2,442
    Columbus$2,439
    Cleveland$2,430
    Fargo$2,430
    Fort Worth$2,430
    Bloomington$2,418
    Grand Rapids$2,418
    County Cost Group 800$2,409
    Ocala$2,409
    Provo$2,403
    Eastern Panhandle$2,376
    Tallahassee$2,376
    Lemoore NAS$2,367
    Corpus Christi$2,364
    Jackson$2,361
    Rapid City$2,361
    Albuquerque$2,358
    Eastern Shore$2,355
    Raleigh$2,352
    Duluth$2,346
    Cheyenne$2,343
    County Cost Group 790$2,334
    Des Moines$2,334
    Fort Campbell$2,334
    Louisville$2,331
    Bangor$2,328
    Memphis$2,325
    Boise$2,319
    Waco$2,319
    Kings Bay$2,304
    Fort Knox$2,301
    Jacksonville$2,301
    Nellis AFB$2,301
    Bismarck$2,292
    Ogden$2,292
    Fort Leavenworth$2,283
    Morehead$2,265
    Rock Island$2,265
    Mountain Home AFB$2,259
    Indianapolis$2,253
    County Cost Group 780$2,250
    Johnson City$2,247
    Fort Drum$2,244
    Pensacola$2,244
    Kansas City$2,241
    Marquette$2,232
    Wichita Fls$2,229
    Fayetteville$2,223
    Auburn$2,202
    Fort Huachuca$2,202
    Roanoke$2,202
    Baton Rouge$2,199
    Fort Gordon$2,199
    Lincoln$2,199
    Scott AFB$2,196
    Greensboro$2,187
    County Cost Group 770$2,184
    Lexington$2,175
    Columbia$2,172
    Fort Bliss$2,172
    Toledo$2,172
    Fort Hood$2,169
    Fort Wayne$2,163
    Shreveport$2,163
    Davis-Monthan AFB$2,154
    Huntsville$2,154
    Greenville$2,142
    Mobile$2,136
    Champaign$2,115
    Lansing$2,115
    Laughlin AFB$2,115
    Whiteman AFB$2,112
    County Cost Group 760$2,109
    Fallon NAS$2,109
    Fort Bragg$2,109
    Grand Forks$2,109
    Seymour Johnson AFB$2,109
    San Antonio (JBSA)$2,100
    Columbus AFB$2,097
    Malmstrom SFB$2,088
    Minot AFB$2,088
    Tulsa$2,076
    Lexington$2,064
    Robins AFB$2,064
    Sioux Falls$2,064
    County Cost Group 750$2,061
    Fort Rucker$2,058
    Goodfellow AFB$2,046
    Brownsville$2,040
    Akron$2,037
    Wright-Patterson AFB$2,028
    Paducah$2,022
    Camp Lejeune$2,016
    Fort Benning$2,013
    County Cost Group 740$2,007
    White Sands MR$2,007
    Wilkes-Barre$2,007
    Frankfort$2,001
    Sumter$1,998
    China Lake$1,995
    Terre Haute$1,992
    Springfield$1,986
    County Cost Group 730$1,974
    Topeka$1,974
    Morgantown$1,971
    Gulfport$1,968
    Moody AFB$1,959
    Peoria$1,956
    Yuma$1,956
    Lubbock$1,953
    Lafayette$1,950
    Little Rock$1,950
    County Cost Group 720$1,947
    Sault Ste Marie$1,947
    Columbia$1,938
    Beaumont$1,926
    County Cost Group 710$1,926
    Montgomery$1,923
    St Mary And Terrebonne$1,923
    Springfield$1,920
    Oklahoma City$1,911
    County Cost Group 700$1,908
    Albany$1,899
    Fort Leonard Wood$1,899
    County Cost Group 690$1,893
    Fort Polk$1,884
    Holloman AFB$1,884
    Sparta$1,884
    County Cost Group 680$1,878
    Fort Riley$1,875
    Alexandria$1,872
    County Cost Group 670$1,869
    County Cost Group 660$1,857
    Lake Charles$1,854
    Charleston$1,848
    County Cost Group 650$1,848
    Huntington$1,848
    Fort Chaffee$1,842
    County Cost Group 640$1,839
    Wichita$1,833
    County Cost Group 630$1,830
    County Cost Group 620$1,821
    County Cost Group 610$1,815
    Vance AFB$1,812
    County Cost Group 600$1,806
    County Cost Group 590$1,794
    Saginaw$1,791
    Meridian$1,788
    County Cost Group 580$1,782
    Erie$1,782
    Hattiesburg$1,779
    County Cost Group 570$1,770
    County Cost Group 560$1,761
    Altus AFB$1,758
    Cannon AFB$1,755
    County Cost Group 550$1,749
    County Cost Group 540$1,740
    County Cost Group 530$1,734
    County Cost Group 520$1,731
    County Cost Group 510$1,725
    Stevens Point$1,716
    Fort Sill$1,704
    Monroe$1,674
    Anniston$1,596
    Youngstown$1,593

    County Cost Group 540 is #330 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 a year, untaxed.

    Every pay grade at County Cost Group 5400 – $1,836 / month
    E-1$1,005
    E-2$1,005
    E-3$1,005
    E-4$1,005
    E-5$1,086
    E-6$1,230
    E-7$1,281
    E-8$1,407
    E-9$1,488
    W-1$1,245
    W-2$1,404
    W-3$1,503
    W-4$1,650
    W-5$1,722
    O-1E$1,341
    O-2E$1,470
    O-3E$1,632
    O-1$1,140
    O-2$1,314
    O-3$1,530
    O-4$1,704
    O-5$1,740
    O-6$1,806
    O-7$1,836

    Promoting to O-6 here adds $66 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 Westchester County at O-5 is worth $4,422 a month — about 67 promotions worth of housing allowance, at $66 per grade here.

    02

    Dependency status is worth 27% 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. $1,740 a month of BAH takes more than $1,740 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.