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 850 draws $2,454 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-850/o-1/with/ExcelCSVDownloads cover this station.
    County Cost Group 850
    O-1 · with dependents
    $2,454/ month
    $29,448 / year
    At O-1, this is #102 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218
    MHA ZZ850 · ZIPs 08302 08311 08313 08314 08315 08316 +288 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$3,146 / mo gross
    Other dependency status here$2,085 without dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 850 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,247$1,764
    E-2$2,247$1,764
    E-3$2,247$1,764
    E-4$2,247$1,764
    E-5$2,409$1,968
    E-6$2,745$2,100
    E-7$2,838$2,253
    E-8$2,940$2,481
    E-9$3,096$2,574
    Warrant officer
    W-1$2,763$2,205
    W-2$2,880$2,478
    W-3$3,006$2,589
    W-4$3,129$2,763
    W-5$3,282$2,859
    Officer — prior enlisted
    O-1E$2,853$2,406
    O-2E$2,985$2,553
    O-3E$3,153$2,736
    Officer
    O-1$2,454$2,085
    O-2$2,742$2,358
    O-3$3,003$2,619
    O-4$3,330$2,838
    O-5$3,570$2,892
    O-6$3,600$2,982
    O-7$3,624$3,033
    PCS compareCounty Cost Group 850 · O-1 · $2,454/mo
    Aberdeen Proving Grounds$2,517/mo · $30,204/yr
    ▲ RAISE+$63+$756/yr · like +$969 of salary

    What this rate means

    O-1 with dependents, every station0 – $5,172 / month
    San Francisco$5,172
    New York City$5,073
    Boston$4,803
    Northern New Jersey$4,791
    Santa Clara County$4,704
    Westchester County$4,587
    Long Island$4,473
    Nantucket$4,440
    Maui County$4,386
    Hanscom AFB$4,230
    Martha's Vineyard$4,062
    San Diego$4,032
    Camp Pendleton$4,023
    Florida Keys$3,987
    Cape Cod-Plymouth$3,942
    Los Angeles$3,927
    Kauai County$3,861
    Oakland$3,807
    Staten Island$3,798
    Honolulu County$3,702
    Miami$3,687
    Hawaii County$3,630
    Fort Monmouth$3,618
    Ventura$3,600
    West Point$3,549
    Trenton$3,531
    Monterey$3,519
    Essex CO$3,516
    Chicago$3,477
    Perth Amboy$3,477
    West Palm Beach$3,453
    Vallejo$3,393
    Riverside$3,384
    Vandenberg SFB$3,378
    Portsmouth$3,372
    Marin$3,369
    Juneau$3,366
    San Bernardino$3,306
    Portland$3,297
    San Luis Obispo$3,291
    Indian Head Navordsta$3,273
    Providence$3,234
    Seattle$3,231
    Manchester$3,225
    Sitka$3,222
    Washington$3,213
    County Cost Group 890$3,207
    Burlington$3,201
    New Haven$3,150
    Fitchburg$3,147
    Warrenton$3,111
    Santa Fe$3,024
    Willow Grove$2,997
    Beale AFB$2,994
    Quantico$2,991
    Worcester$2,982
    Annapolis$2,970
    Hartford$2,961
    Fort G. G. Meade$2,952
    Newport$2,925
    Sacramento$2,922
    JB McGuire-Dix-Lakehurst$2,904
    County Cost Group 880$2,898
    JB Elmendorf-Richardson$2,886
    Ketchikan$2,880
    Kodiak Island$2,877
    Denver$2,874
    Boulder$2,829
    Everett$2,814
    Cape May$2,799
    Tampa$2,757
    Atlantic City$2,736
    Fort Detrick$2,733
    Philadelphia$2,733
    Fort Myers Beach$2,730
    Edwards AFB$2,724
    Fort Pierce$2,715
    County Cost Group 870$2,700
    Orlando$2,700
    Madison$2,691
    Ballston Spa$2,670
    Baltimore$2,652
    Outer Banks$2,652
    New London$2,646
    Ann Arbor$2,628
    Milwaukee$2,625
    Stockton$2,607
    JB Lewis-McChord$2,607
    Minneapolis$2,577
    Patrick SFB$2,553
    County Cost Group 860$2,535
    Elizabeth City$2,523
    Aberdeen Proving Grounds$2,517
    Dallas$2,517
    Oxford$2,496
    Port Angeles$2,493
    Fresno$2,490
    Great Lakes Navtracen$2,475
    St. Louis$2,472
    Beaufort$2,457
    Birmingham$2,457
    County Cost Group 850$2,454
    Norfolk$2,454
    Eglin AFB$2,451
    Hampden County$2,451
    Savannah$2,451
    Fairbanks$2,448
    Allentown$2,436
    Atlanta$2,433
    Corvallis$2,433
    Patuxent River$2,433
    Reno$2,433
    Portland$2,430
    Charleston$2,421
    Charlottesville$2,421
    Bremerton$2,415
    Richmond$2,400
    Detroit$2,397
    Ocala$2,382
    Fort Carson$2,376
    County Cost Group 840$2,367
    Dahlgren$2,367
    Fort Stewart$2,334
    Pittsburgh$2,328
    Cincinnati$2,322
    Nashville$2,322
    Phoenix$2,319
    Volusia County$2,319
    Austin$2,313
    Dover AFB$2,310
    Fort Collins$2,307
    Hampton$2,301
    County Cost Group 830$2,295
    Asheville$2,265
    Buffalo$2,262
    Coastal Maine$2,259
    Rochester$2,259
    Brunswick$2,253
    Dahlonega$2,250
    Knoxville$2,247
    Houston$2,241
    Albuquerque$2,235
    Spokane$2,235
    Eugene$2,229
    Grand Haven$2,223
    Charlotte$2,211
    County Cost Group 820$2,208
    Panama City$2,202
    Jacksonville$2,196
    Rome$2,190
    Grand Rapids$2,184
    Memphis$2,181
    Bridgeport$2,169
    Lemoore NAS$2,166
    Salt Lake City$2,166
    Fort Worth$2,163
    Durham$2,160
    Traverse City$2,160
    Whidbey Island$2,157
    Eastern Shore$2,151
    Astoria$2,145
    Kings Bay$2,145
    Ogden$2,139
    Myrtle Beach$2,136
    Omaha$2,127
    Raleigh$2,127
    Carlisle Barracks$2,121
    County Cost Group 810$2,109
    Duluth$2,106
    Wilmington$2,100
    Syracuse$2,097
    Nellis AFB$2,094
    Eastern Panhandle$2,091
    Gainesville$2,085
    Provo$2,085
    Barstow$2,058
    Salem$2,058
    Toledo$2,058
    Cleveland$2,055
    Twenty Nine Palms MCB$2,052
    Chattanooga$2,043
    Louisville$2,031
    Rapid City$2,022
    Kansas City$2,019
    Battle Creek$2,013
    El Centro$2,013
    County Cost Group 800$2,007
    Abilene$1,989
    Yakima$1,983
    Fort Wayne$1,977
    Boise$1,974
    Helena$1,968
    New Orleans$1,968
    Jackson$1,956
    Rock Island$1,956
    Greenville$1,950
    Roanoke$1,941
    County Cost Group 790$1,938
    Davis-Monthan AFB$1,938
    Fort Gordon$1,929
    Columbus$1,926
    Indianapolis$1,923
    Bangor$1,920
    Baton Rouge$1,920
    Bloomington$1,920
    Lexington$1,917
    Mobile$1,917
    Columbia$1,914
    Pensacola$1,914
    San Antonio (JBSA)$1,905
    Humboldt County$1,893
    Morehead$1,884
    Shreveport$1,875
    Little Rock$1,869
    County Cost Group 780$1,860
    Fort Leavenworth$1,860
    Tallahassee$1,860
    Fort Bliss$1,857
    Fort Campbell$1,857
    State College$1,854
    Greensboro$1,851
    Marquette$1,851
    Corpus Christi$1,845
    Fort Bragg$1,842
    Coos Bay$1,839
    Huntsville$1,839
    College Station$1,836
    Lansing$1,836
    Lincoln$1,833
    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
    Fort Benning$1,755
    White Sands MR$1,737
    Auburn$1,731
    Fort Hood$1,731
    County Cost Group 760$1,728
    Cheyenne$1,725
    Yuma$1,722
    Fort Knox$1,710
    Fort Drum$1,701
    Montgomery$1,701
    County Cost Group 750$1,683
    Morgantown$1,683
    Tulsa$1,683
    Wright-Patterson AFB$1,683
    Mountain Home AFB$1,680
    Oklahoma City$1,677
    Bismarck$1,674
    Topeka$1,662
    Whiteman AFB$1,656
    Malmstrom SFB$1,641
    Camp Lejeune$1,635
    St Mary And Terrebonne$1,635
    County Cost Group 740$1,632
    Holloman AFB$1,632
    Akron$1,629
    Fallon NAS$1,629
    Johnson City$1,623
    Lafayette$1,623
    Goodfellow AFB$1,617
    Sioux Falls$1,617
    Gulfport$1,614
    Peoria$1,614
    Minot AFB$1,605
    County Cost Group 730$1,602
    Fort Rucker$1,602
    Scott AFB$1,602
    Champaign$1,599
    China Lake$1,596
    Lexington$1,596
    Sault Ste Marie$1,590
    County Cost Group 720$1,578
    Moody AFB$1,578
    Seymour Johnson AFB$1,578
    Beaumont$1,572
    Springfield$1,572
    Wichita Fls$1,572
    Huntington$1,569
    Sumter$1,563
    County Cost Group 710$1,560
    Brownsville$1,551
    County Cost Group 700$1,542
    Saginaw$1,542
    Terre Haute$1,542
    County Cost Group 690$1,527
    Lubbock$1,524
    County Cost Group 680$1,515
    Fort Leonard Wood$1,515
    County Cost Group 670$1,506
    Laughlin AFB$1,506
    Erie$1,500
    County Cost Group 660$1,494
    County Cost Group 650$1,485
    Columbus AFB$1,476
    County Cost Group 640$1,476
    County Cost Group 630$1,470
    Frankfort$1,464
    County Cost Group 620$1,461
    County Cost Group 610$1,455
    Sparta$1,455
    Charleston$1,452
    Springfield$1,452
    County Cost Group 600$1,446
    County Cost Group 590$1,437
    Paducah$1,434
    County Cost Group 580$1,425
    Wichita$1,422
    Hattiesburg$1,419
    Columbia$1,413
    County Cost Group 570$1,413
    County Cost Group 560$1,404
    Albany$1,401
    Cannon AFB$1,401
    Lake Charles$1,398
    County Cost Group 550$1,395
    Stevens Point$1,389
    County Cost Group 540$1,386
    County Cost Group 530$1,380
    County Cost Group 520$1,377
    Fort Riley$1,377
    County Cost Group 510$1,371
    Alexandria$1,344
    Meridian$1,329
    Fort Chaffee$1,320
    Altus AFB$1,299
    Fort Polk$1,296
    Fort Sill$1,272
    Monroe$1,251
    Vance AFB$1,245
    Anniston$1,230
    Youngstown$1,218

    County Cost Group 850 is #102 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 8500 – $3,624 / month
    E-1$2,247
    E-2$2,247
    E-3$2,247
    E-4$2,247
    E-5$2,409
    E-6$2,745
    E-7$2,838
    E-8$2,940
    E-9$3,096
    W-1$2,763
    W-2$2,880
    W-3$3,006
    W-4$3,129
    W-5$3,282
    O-1E$2,853
    O-2E$2,985
    O-3E$3,153
    O-1$2,454
    O-2$2,742
    O-3$3,003
    O-4$3,330
    O-5$3,570
    O-6$3,600
    O-7$3,624

    Promoting to O-2 here adds $288 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 850 to San Francisco at O-1 is worth $2,718 a month — about 9 promotions worth of housing allowance, at $288 per grade here.

    02

    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.

    03

    None of it is taxed. $2,454 a month of BAH takes more than $2,454 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.