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 790 draws $2,334 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-790/o-5/without/ExcelCSVDownloads cover this station.
    County Cost Group 790
    O-5 · without dependents
    $2,334/ month
    $28,008 / year
    At O-5, this is #195 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA ZZ790 · ZIPs 04225 04227 04234 04239 04262 04285 +785 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$2,992 / mo gross
    Other dependency status here$2,907 with dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 790 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,761$1,395
    E-2$1,761$1,395
    E-3$1,761$1,395
    E-4$1,761$1,395
    E-5$1,890$1,542
    E-6$2,208$1,656
    E-7$2,289$1,764
    E-8$2,376$1,959
    E-9$2,511$2,049
    Warrant officer
    W-1$2,229$1,728
    W-2$2,325$1,956
    W-3$2,436$2,061
    W-4$2,538$2,223
    W-5$2,667$2,307
    Officer — prior enlisted
    O-1E$2,304$1,887
    O-2E$2,418$2,028
    O-3E$2,559$2,202
    Officer
    O-1$1,938$1,626
    O-2$2,205$1,851
    O-3$2,433$2,091
    O-4$2,706$2,286
    O-5$2,907$2,334
    O-6$2,928$2,412
    O-7$2,949$2,451
    PCS compareCounty Cost Group 790 · O-5 · $2,334/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▲ RAISE+$600+$7,200/yr · like +$9,231 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    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
    Youngstown$1,593

    County Cost Group 790 is #195 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 7900 – $2,451 / month
    E-1$1,395
    E-2$1,395
    E-3$1,395
    E-4$1,395
    E-5$1,542
    E-6$1,656
    E-7$1,764
    E-8$1,959
    E-9$2,049
    W-1$1,728
    W-2$1,956
    W-3$2,061
    W-4$2,223
    W-5$2,307
    O-1E$1,887
    O-2E$2,028
    O-3E$2,202
    O-1$1,626
    O-2$1,851
    O-3$2,091
    O-4$2,286
    O-5$2,334
    O-6$2,412
    O-7$2,451

    Promoting to O-6 here adds $78 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 790 to Westchester County at O-5 is worth $3,828 a month — about 49 promotions worth of housing allowance, at $78 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. $2,334 a month of BAH takes more than $2,334 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.