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-1E with dependents at County Cost Group 740 draws $1,980 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-740/o-1e/with/ExcelCSVDownloads cover this station.
    County Cost Group 740
    O-1E · with dependents
    $1,980/ month
    $23,760 / year
    At O-1E, this is #265 of 338 stations loaded · high Westchester County $5,931 · low Youngstown $1,521
    MHA ZZ740 · ZIPs 13732 13734 13736 13737 13743 13744 +787 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$2,538 / mo gross
    Other dependency status here$1,587 without dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 740 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,476$1,179
    E-2$1,476$1,179
    E-3$1,476$1,179
    E-4$1,476$1,179
    E-5$1,590$1,290
    E-6$1,896$1,419
    E-7$1,968$1,476
    E-8$2,049$1,656
    E-9$2,166$1,740
    Warrant officer
    W-1$1,914$1,449
    W-2$2,001$1,653
    W-3$2,100$1,752
    W-4$2,193$1,908
    W-5$2,307$1,986
    Officer — prior enlisted
    O-1E$1,980$1,587
    O-2E$2,085$1,719
    O-3E$2,211$1,887
    Officer
    O-1$1,632$1,359
    O-2$1,893$1,554
    O-3$2,097$1,782
    O-4$2,343$1,965
    O-5$2,520$2,007
    O-6$2,538$2,079
    O-7$2,553$2,112
    PCS compareCounty Cost Group 740 · O-1E · $1,980/mo
    Aberdeen Proving Grounds$2,883/mo · $34,596/yr
    ▲ RAISE+$903+$10,836/yr · like +$13,892 of salary

    What this rate means

    O-1E with dependents, every station0 – $5,931 / month
    Westchester County$5,931
    San Francisco$5,493
    New York City$5,271
    Nantucket$5,262
    Maui County$5,127
    Northern New Jersey$5,076
    Santa Clara County$5,070
    Boston$4,962
    Long Island$4,896
    Martha's Vineyard$4,782
    Hanscom AFB$4,602
    Camp Pendleton$4,512
    San Diego$4,449
    Kauai County$4,440
    Florida Keys$4,413
    Staten Island$4,362
    Los Angeles$4,332
    Monterey$4,293
    West Point$4,230
    Oakland$4,218
    Fort Monmouth$4,188
    Cape Cod-Plymouth$4,179
    Perth Amboy$4,143
    Trenton$4,143
    Honolulu County$4,137
    Ventura$4,095
    Essex CO$4,089
    Miami$4,074
    San Luis Obispo$4,062
    Seattle$4,041
    Portsmouth$4,032
    Marin$3,960
    Burlington$3,942
    Hawaii County$3,879
    Portland$3,876
    Washington$3,870
    Manchester$3,837
    New Haven$3,771
    West Palm Beach$3,765
    Newport$3,753
    Fitchburg$3,729
    Chicago$3,726
    Providence$3,699
    Vandenberg SFB$3,699
    County Cost Group 890$3,654
    Riverside$3,612
    Worcester$3,549
    Santa Fe$3,540
    Hartford$3,519
    Vallejo$3,519
    Boulder$3,501
    Indian Head Navordsta$3,501
    Warrenton$3,501
    JB McGuire-Dix-Lakehurst$3,489
    Juneau$3,447
    Atlantic City$3,435
    Willow Grove$3,426
    San Bernardino$3,402
    Everett$3,384
    Fort G. G. Meade$3,333
    County Cost Group 880$3,324
    Annapolis$3,315
    Sitka$3,312
    Quantico$3,234
    Ann Arbor$3,198
    Edwards AFB$3,198
    New London$3,174
    Beale AFB$3,153
    Fort Detrick$3,144
    Madison$3,123
    Denver$3,120
    Cape May$3,117
    County Cost Group 870$3,114
    Hampden County$3,105
    Stockton$3,096
    Brunswick$3,090
    Austin$3,087
    JB Elmendorf-Richardson$3,078
    Tampa$3,069
    Ketchikan$3,060
    Ballston Spa$3,021
    Baltimore$3,009
    Fort Myers Beach$3,006
    JB Lewis-McChord$3,006
    Outer Banks$3,003
    Philadelphia$3,003
    Sacramento$3,000
    Kodiak Island$2,991
    Orlando$2,985
    Astoria$2,979
    Port Angeles$2,955
    County Cost Group 860$2,940
    Fort Pierce$2,934
    Traverse City$2,916
    Eglin AFB$2,910
    Milwaukee$2,910
    Patrick SFB$2,910
    Whidbey Island$2,901
    Bridgeport$2,895
    Oxford$2,886
    Aberdeen Proving Grounds$2,883
    Fresno$2,871
    Great Lakes Navtracen$2,871
    Portland$2,871
    Allentown$2,868
    Bremerton$2,865
    Charlottesville$2,856
    County Cost Group 850$2,853
    Abilene$2,847
    Beaufort$2,838
    Dallas$2,832
    Minneapolis$2,832
    Rome$2,796
    Corvallis$2,775
    Coastal Maine$2,769
    Dahlgren$2,766
    County Cost Group 840$2,760
    Knoxville$2,760
    Dover AFB$2,736
    Atlanta$2,733
    Reno$2,724
    Nashville$2,718
    St. Louis$2,694
    Savannah$2,688
    County Cost Group 830$2,685
    Asheville$2,682
    Richmond$2,682
    Spokane$2,679
    Detroit$2,664
    Twenty Nine Palms MCB$2,664
    Charleston$2,655
    Fort Collins$2,649
    Buffalo$2,646
    Fairbanks$2,646
    Helena$2,637
    Patuxent River$2,637
    Pittsburgh$2,631
    Rochester$2,619
    Norfolk$2,613
    Eugene$2,601
    Elizabeth City$2,598
    County Cost Group 820$2,592
    Houston$2,592
    Syracuse$2,571
    Barstow$2,568
    Cincinnati$2,556
    Panama City$2,556
    Birmingham$2,553
    Wilmington$2,553
    Volusia County$2,550
    Humboldt County$2,547
    Dahlonega$2,538
    Salem$2,532
    Salt Lake City$2,523
    Yakima$2,520
    College Station$2,517
    Grand Haven$2,508
    Fort Stewart$2,502
    Gainesville$2,502
    Fort Carson$2,496
    County Cost Group 810$2,487
    Phoenix$2,478
    Omaha$2,472
    Charlotte$2,460
    Carlisle Barracks$2,451
    Chattanooga$2,448
    Fort Worth$2,448
    New Orleans$2,448
    Cleveland$2,445
    Hampton$2,442
    Durham$2,439
    Battle Creek$2,430
    Coos Bay$2,427
    Grand Rapids$2,427
    Myrtle Beach$2,427
    Ocala$2,412
    Fargo$2,409
    State College$2,406
    Columbus$2,385
    County Cost Group 800$2,379
    El Centro$2,373
    Duluth$2,358
    Albuquerque$2,355
    Provo$2,355
    Eastern Shore$2,349
    Eastern Panhandle$2,346
    Lemoore NAS$2,346
    Raleigh$2,346
    Memphis$2,340
    Corpus Christi$2,328
    Louisville$2,322
    Rapid City$2,322
    Boise$2,313
    Cheyenne$2,313
    Jackson$2,307
    County Cost Group 790$2,304
    Des Moines$2,304
    Jacksonville$2,289
    Tallahassee$2,286
    Nellis AFB$2,277
    Ogden$2,277
    Bismarck$2,271
    Fort Campbell$2,271
    Kings Bay$2,265
    Rock Island$2,265
    Fort Knox$2,259
    Pensacola$2,259
    Bangor$2,250
    Indianapolis$2,247
    Fort Leavenworth$2,244
    Mountain Home AFB$2,244
    Kansas City$2,229
    County Cost Group 780$2,220
    Fort Huachuca$2,220
    Johnson City$2,220
    Baton Rouge$2,217
    Waco$2,217
    Morehead$2,205
    Wichita Fls$2,202
    Fort Gordon$2,193
    Toledo$2,187
    Lincoln$2,181
    Bloomington$2,175
    Fort Bliss$2,175
    Fayetteville$2,175
    Lexington$2,175
    Roanoke$2,172
    Greensboro$2,169
    Marquette$2,169
    Columbia$2,163
    County Cost Group 770$2,157
    Fort Wayne$2,157
    Davis-Monthan AFB$2,148
    Fort Drum$2,145
    Huntsville$2,139
    Greenville$2,130
    Shreveport$2,127
    Mobile$2,124
    San Antonio (JBSA)$2,115
    Fort Hood$2,100
    Fort Bragg$2,097
    Scott AFB$2,088
    Auburn$2,085
    Grand Forks$2,085
    County Cost Group 760$2,082
    Columbus AFB$2,076
    Seymour Johnson AFB$2,067
    Minot AFB$2,064
    Whiteman AFB$2,064
    Sioux Falls$2,058
    Lexington$2,052
    Champaign$2,040
    Lansing$2,040
    County Cost Group 750$2,034
    Fallon NAS$2,019
    Malmstrom SFB$2,013
    Robins AFB$2,013
    Tulsa$2,010
    Fort Benning$2,007
    Camp Lejeune$2,001
    Brownsville$1,992
    Goodfellow AFB$1,989
    Sumter$1,989
    White Sands MR$1,989
    County Cost Group 740$1,980
    Fort Rucker$1,968
    Wilkes-Barre$1,965
    Little Rock$1,962
    Morgantown$1,962
    Akron$1,953
    Frankfort$1,953
    Moody AFB$1,953
    Wright-Patterson AFB$1,953
    Topeka$1,950
    County Cost Group 730$1,947
    Beaumont$1,944
    Sault Ste Marie$1,944
    Paducah$1,941
    Peoria$1,935
    China Lake$1,932
    Yuma$1,929
    Lafayette$1,926
    County Cost Group 720$1,923
    Springfield$1,914
    County Cost Group 710$1,902
    Oklahoma City$1,902
    Springfield$1,899
    Terre Haute$1,899
    Holloman AFB$1,893
    Laughlin AFB$1,884
    Lubbock$1,884
    County Cost Group 700$1,881
    Sparta$1,878
    Fort Polk$1,875
    County Cost Group 690$1,866
    County Cost Group 680$1,854
    Fort Leonard Wood$1,854
    Fort Riley$1,854
    County Cost Group 670$1,845
    Columbia$1,839
    County Cost Group 660$1,833
    Huntington$1,833
    Montgomery$1,827
    County Cost Group 650$1,824
    County Cost Group 640$1,815
    County Cost Group 630$1,806
    Charleston$1,803
    Fort Chaffee$1,803
    St Mary And Terrebonne$1,803
    Gulfport$1,800
    County Cost Group 620$1,797
    Wichita$1,797
    Alexandria$1,794
    County Cost Group 610$1,791
    Saginaw$1,785
    County Cost Group 600$1,782
    Lake Charles$1,776
    County Cost Group 590$1,770
    County Cost Group 580$1,758
    Erie$1,758
    County Cost Group 570$1,746
    County Cost Group 560$1,737
    Stevens Point$1,734
    County Cost Group 550$1,728
    Meridian$1,722
    County Cost Group 540$1,719
    Cannon AFB$1,713
    County Cost Group 530$1,710
    County Cost Group 520$1,707
    County Cost Group 510$1,701
    Albany$1,695
    Altus AFB$1,680
    Hattiesburg$1,668
    Monroe$1,668
    Vance AFB$1,641
    Fort Sill$1,605
    Anniston$1,572
    Youngstown$1,521

    County Cost Group 740 is #265 of 338. The spread between the dearest and cheapest station at this grade is $4,410 a month — $52,920 a year, untaxed.

    Every pay grade at County Cost Group 7400 – $2,553 / month
    E-1$1,476
    E-2$1,476
    E-3$1,476
    E-4$1,476
    E-5$1,590
    E-6$1,896
    E-7$1,968
    E-8$2,049
    E-9$2,166
    W-1$1,914
    W-2$2,001
    W-3$2,100
    W-4$2,193
    W-5$2,307
    O-1E$1,980
    O-2E$2,085
    O-3E$2,211
    O-1$1,632
    O-2$1,893
    O-3$2,097
    O-4$2,343
    O-5$2,520
    O-6$2,538
    O-7$2,553

    Promoting to O-2E here adds $105 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 740 to Westchester County at O-1E is worth $3,951 a month — about 38 promotions worth of housing allowance, at $105 per grade here.

    02

    Dependency status is worth 25% 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. $1,980 a month of BAH takes more than $1,980 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.