What is O-2 BAH at County Cost Group 810 in 2026?

$2,385 per month with dependents ($28,620 per year), effective 01 JAN 2026. without dependents it is $2,022 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-2 BAH at County Cost Group 810 2026 — $2,385/mo with dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

County Cost Group 810

O-2 · with dependents

$2,385/ month

$28,620 / year

At O-2, this is #165 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332

MHA ZZ810 · ZIPs 13143 13146 13154 14098 14103 14411 +360 more

Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt

Untaxed — matching it with taxable pay takes$3,058 / mo gross

Other dependency status here$2,022 without dependents

In government quarters, no dependents$50.10 / mo partial

County Cost Group 810 — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,923	$1,518
E-2	$1,923	$1,518
E-3	$1,923	$1,518
E-4	$1,923	$1,518
E-5	$2,064	$1,683
E-6	$2,388	$1,794
E-7	$2,472	$1,926
E-8	$2,565	$2,133
E-9	$2,706	$2,223
Warrant officer
W-1	$2,406	$1,887
W-2	$2,511	$2,130
W-3	$2,625	$2,238
W-4	$2,736	$2,403
W-5	$2,874	$2,493
Officer — prior enlisted
O-1E	$2,487	$2,061
O-2E	$2,607	$2,202
O-3E	$2,757	$2,379
Officer
O-1	$2,109	$1,779
O-2	$2,385	$2,022
O-3	$2,622	$2,268
O-4	$2,916	$2,472
O-5	$3,129	$2,520
O-6	$3,153	$2,604
O-7	$3,174	$2,646

What this rate means

O-2 with dependents, nearest stations0 – $5,451 / month

San Francisco$5,451

Salem$2,394

Durham$2,388

Ocala$2,388

College Station$2,385

County Cost Group 810$2,385

Syracuse$2,382

Yakima$2,379

Carlisle Barracks$2,373

Omaha$2,373

Youngstown$1,332

County Cost Group 810 is #165 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 a year, untaxed.

Every pay grade at County Cost Group 8100 – $3,174 / month

E-1$1,923

E-2$1,923

E-3$1,923

E-4$1,923

E-5$2,064

E-6$2,388

E-7$2,472

E-8$2,565

E-9$2,706

W-1$2,406

W-2$2,511

W-3$2,625

W-4$2,736

W-5$2,874

O-1E$2,487

O-2E$2,607

O-3E$2,757

O-1$2,109

O-2$2,385

O-3$2,622

O-4$2,916

O-5$3,129

O-6$3,153

O-7$3,174

Promoting to O-3 here adds $237 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from County Cost Group 810 to San Francisco at O-2 is worth $3,066 a month — about 13 promotions worth of housing allowance, at $237 per grade here.

Dependency status is worth 18% 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.

None of it is taxed. $2,385 a month of BAH takes more than $2,385 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-2 with dependents at County Cost Group 810 draws $2,385 per month in 2026

What this rate means

Things the rate table doesn't tell you