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 $2,322Without $1,896

    E-5 at County Cost Group 840 draws $2,322 per month with dependents in 2026, $1,896 without

    Permalinkbahratedesk.com/county-cost-group-840/e-5/ExcelCSVDownloads cover this station.
    County Cost Group 840
    E-5 · with dependents
    $2,322/ month
    $27,864 / year
    At E-5, this is #121 of 338 stations loaded · high San Francisco $5,127 · low Anniston $1,185
    MHA ZZ840 · ZIPs 23002 23005 23009 23011 23014 23015 +189 more
    Your grade is calledARMYSGTUSMCSgtNAVYPO2USAFSSgt
    Untaxed — matching it with taxable pay takes$2,977 / mo gross
    Without dependents here$1,896 / mo
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 840 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,166$1,701
    E-2$2,166$1,701
    E-3$2,166$1,701
    E-4$2,166$1,701
    E-5$2,322$1,896
    E-6$2,655$2,022
    E-7$2,745$2,169
    E-8$2,844$2,394
    E-9$2,997$2,487
    Warrant officer
    W-1$2,673$2,124
    W-2$2,787$2,391
    W-3$2,910$2,499
    W-4$3,030$2,670
    W-5$3,180$2,766
    Officer — prior enlisted
    O-1E$2,760$2,319
    O-2E$2,889$2,463
    O-3E$3,051$2,646
    Officer
    O-1$2,367$2,007
    O-2$2,652$2,274
    O-3$2,907$2,532
    O-4$3,225$2,745
    O-5$3,459$2,796
    O-6$3,486$2,886
    O-7$3,510$2,937
    PCS compareCounty Cost Group 840 · E-5 · $2,322/mo
    Aberdeen Proving Grounds$2,478/mo · $29,736/yr
    ▲ RAISE+$156+$1,872/yr · like +$2,400 of salary

    What this rate means

    E-5 with dependents, nearest stations0 – $5,127 / month
    San Francisco$5,127
    Bremerton$2,364
    Detroit$2,361
    Fort Carson$2,358
    Richmond$2,358
    County Cost Group 840$2,322
    Dahlgren$2,313
    Fort Stewart$2,310
    Phoenix$2,289
    Volusia County$2,286
    Anniston$1,185

    County Cost Group 840 is #121 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

    Every pay grade at County Cost Group 8400 – $3,510 / month
    E-1$2,166
    E-2$2,166
    E-3$2,166
    E-4$2,166
    E-5$2,322
    E-6$2,655
    E-7$2,745
    E-8$2,844
    E-9$2,997
    W-1$2,673
    W-2$2,787
    W-3$2,910
    W-4$3,030
    W-5$3,180
    O-1E$2,760
    O-2E$2,889
    O-3E$3,051
    O-1$2,367
    O-2$2,652
    O-3$2,907
    O-4$3,225
    O-5$3,459
    O-6$3,486
    O-7$3,510

    Promoting to E-6 here adds $333 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 840 to San Francisco at E-5 is worth $2,805 a month — about 8 promotions worth of housing allowance, at $333 per grade here.

    02

    Dependency status is worth 22% 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. $2,322 a month of BAH takes more than $2,322 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.