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
    With $3,366Without $2,721

    O-5 at County Cost Group 830 draws $3,366 per month with dependents in 2026, $2,721 without

    Permalinkbahratedesk.com/county-cost-group-830/o-5/ExcelCSVDownloads cover this station.
    County Cost Group 830
    O-5 · with dependents
    $3,366/ month
    $40,392 / year
    At O-5, this is #118 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA ZZ830 · ZIPs 06013 06018 06021 06024 06027 06031 +407 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,315 / mo gross
    Without dependents here$2,721 / mo
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 830 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,097$1,650
    E-2$2,097$1,650
    E-3$2,097$1,650
    E-4$2,097$1,650
    E-5$2,250$1,839
    E-6$2,580$1,959
    E-7$2,670$2,103
    E-8$2,766$2,319
    E-9$2,916$2,412
    Warrant officer
    W-1$2,598$2,058
    W-2$2,709$2,316
    W-3$2,829$2,427
    W-4$2,946$2,595
    W-5$3,093$2,691
    Officer — prior enlisted
    O-1E$2,685$2,247
    O-2E$2,811$2,391
    O-3E$2,970$2,571
    Officer
    O-1$2,295$1,944
    O-2$2,577$2,202
    O-3$2,826$2,457
    O-4$3,138$2,667
    O-5$3,366$2,721
    O-6$3,393$2,808
    O-7$3,417$2,856
    PCS compareCounty Cost Group 830 · O-5 · $3,366/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$264+$3,168/yr · like +$4,062 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Whidbey Island$3,402
    Tampa$3,390
    Traverse City$3,390
    Minneapolis$3,384
    County Cost Group 830$3,366
    Reno$3,357
    Buffalo$3,324
    Eugene$3,324
    Norfolk$3,318
    Youngstown$1,827

    County Cost Group 830 is #118 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 8300 – $3,417 / month
    E-1$2,097
    E-2$2,097
    E-3$2,097
    E-4$2,097
    E-5$2,250
    E-6$2,580
    E-7$2,670
    E-8$2,766
    E-9$2,916
    W-1$2,598
    W-2$2,709
    W-3$2,829
    W-4$2,946
    W-5$3,093
    O-1E$2,685
    O-2E$2,811
    O-3E$2,970
    O-1$2,295
    O-2$2,577
    O-3$2,826
    O-4$3,138
    O-5$3,366
    O-6$3,393
    O-7$3,417

    Promoting to O-6 here adds $27 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 830 to Westchester County at O-5 is worth $4,698 a month — about 174 promotions worth of housing allowance, at $27 per grade here.

    02

    Dependency status is worth 24% 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. $3,366 a month of BAH takes more than $3,366 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.