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 with dependents at County Cost Group 640 draws $2,319 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-640/o-5/with/ExcelCSVDownloads cover this station.
    County Cost Group 640
    O-5 · with dependents
    $2,319/ month
    $27,828 / year
    At O-5, this is #312 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA ZZ640 · ZIPs 14029 14041 14042 14060 14065 14070 +503 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$2,973 / mo gross
    Other dependency status here$1,839 without dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 640 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,329$1,071
    E-2$1,329$1,071
    E-3$1,329$1,071
    E-4$1,329$1,071
    E-5$1,434$1,161
    E-6$1,734$1,299
    E-7$1,803$1,353
    E-8$1,878$1,500
    E-9$1,992$1,581
    Warrant officer
    W-1$1,752$1,314
    W-2$1,833$1,497
    W-3$1,929$1,593
    W-4$2,013$1,746
    W-5$2,124$1,821
    Officer — prior enlisted
    O-1E$1,815$1,431
    O-2E$1,914$1,563
    O-3E$2,031$1,725
    Officer
    O-1$1,476$1,221
    O-2$1,731$1,404
    O-3$1,926$1,623
    O-4$2,154$1,800
    O-5$2,319$1,839
    O-6$2,337$1,908
    O-7$2,349$1,938
    PCS compareCounty Cost Group 640 · O-5 · $2,319/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$1,311+$15,732/yr · like +$20,169 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    County Cost Group 660$2,340
    Oklahoma City$2,337
    County Cost Group 650$2,331
    Fort Riley$2,325
    County Cost Group 640$2,319
    County Cost Group 630$2,310
    County Cost Group 620$2,301
    County Cost Group 610$2,292
    County Cost Group 600$2,280
    Youngstown$1,827

    County Cost Group 640 is #312 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 County Cost Group 6400 – $2,349 / month
    E-1$1,329
    E-2$1,329
    E-3$1,329
    E-4$1,329
    E-5$1,434
    E-6$1,734
    E-7$1,803
    E-8$1,878
    E-9$1,992
    W-1$1,752
    W-2$1,833
    W-3$1,929
    W-4$2,013
    W-5$2,124
    O-1E$1,815
    O-2E$1,914
    O-3E$2,031
    O-1$1,476
    O-2$1,731
    O-3$1,926
    O-4$2,154
    O-5$2,319
    O-6$2,337
    O-7$2,349

    Promoting to O-6 here adds $18 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 640 to Westchester County at O-5 is worth $5,745 a month — about 319 promotions worth of housing allowance, at $18 per grade here.

    02

    Dependency status is worth 26% 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. $2,319 a month of BAH takes more than $2,319 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.