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 770 draws $1,797 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-770/o-1/with/ExcelCSVDownloads cover this station.
    County Cost Group 770
    O-1 · with dependents
    $1,797/ month
    $21,564 / year
    At O-1, this is #234 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218
    MHA ZZ770 · ZIPs 05042 05046 05050 05069 05819 05820 +895 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$2,304 / mo gross
    Other dependency status here$1,506 without dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 770 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,632$1,296
    E-2$1,632$1,296
    E-3$1,632$1,296
    E-4$1,632$1,296
    E-5$1,752$1,425
    E-6$2,067$1,548
    E-7$2,142$1,632
    E-8$2,226$1,821
    E-9$2,352$1,908
    Warrant officer
    W-1$2,085$1,599
    W-2$2,178$1,818
    W-3$2,283$1,920
    W-4$2,379$2,079
    W-5$2,502$2,160
    Officer — prior enlisted
    O-1E$2,157$1,749
    O-2E$2,265$1,887
    O-3E$2,400$2,058
    Officer
    O-1$1,797$1,506
    O-2$2,064$1,716
    O-3$2,280$1,950
    O-4$2,541$2,139
    O-5$2,730$2,184
    O-6$2,751$2,259
    O-7$2,769$2,298
    PCS compareCounty Cost Group 770 · O-1 · $1,797/mo
    Aberdeen Proving Grounds$2,517/mo · $30,204/yr
    ▲ RAISE+$720+$8,640/yr · like +$11,077 of salary

    What this rate means

    O-1 with dependents, nearest stations0 – $5,172 / month
    San Francisco$5,172
    Des Moines$1,830
    Fayetteville$1,821
    Robins AFB$1,818
    Waco$1,803
    County Cost Group 770$1,797
    Fargo$1,785
    Fort Huachuca$1,782
    Grand Forks$1,770
    Wilkes-Barre$1,767
    Youngstown$1,218

    County Cost Group 770 is #234 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 7700 – $2,769 / month
    E-1$1,632
    E-2$1,632
    E-3$1,632
    E-4$1,632
    E-5$1,752
    E-6$2,067
    E-7$2,142
    E-8$2,226
    E-9$2,352
    W-1$2,085
    W-2$2,178
    W-3$2,283
    W-4$2,379
    W-5$2,502
    O-1E$2,157
    O-2E$2,265
    O-3E$2,400
    O-1$1,797
    O-2$2,064
    O-3$2,280
    O-4$2,541
    O-5$2,730
    O-6$2,751
    O-7$2,769

    Promoting to O-2 here adds $267 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 770 to San Francisco at O-1 is worth $3,375 a month — about 13 promotions worth of housing allowance, at $267 per grade here.

    02

    Dependency status is worth 19% 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. $1,797 a month of BAH takes more than $1,797 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.