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 with dependents at County Cost Group 850 draws $3,570 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-850/o-5/with/ExcelCSVDownloads cover this station.
    County Cost Group 850
    O-5 · with dependents
    $3,570/ month
    $42,840 / year
    At O-5, this is #95 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA ZZ850 · ZIPs 08302 08311 08313 08314 08315 08316 +288 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,577 / mo gross
    Other dependency status here$2,892 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-5 · $3,570/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$60+$720/yr · like +$923 of salary

    What this rate means

    O-5 with dependents, every station0 – $8,064 / month
    Westchester County$8,064
    New York City$7,128
    San Francisco$7,089
    Nantucket$6,933
    Boston$6,483
    Maui County$6,378
    Santa Clara County$6,333
    Florida Keys$6,213
    Hanscom AFB$6,087
    Northern New Jersey$5,991
    Kauai County$5,892
    Essex CO$5,853
    Long Island$5,823
    Miami$5,763
    Martha's Vineyard$5,646
    Monterey$5,565
    San Diego$5,493
    Los Angeles$5,436
    San Luis Obispo$5,430
    Staten Island$5,394
    Camp Pendleton$5,391
    Portsmouth$5,355
    Trenton$5,334
    West Point$5,253
    Portland$5,235
    Cape Cod-Plymouth$5,196
    Oakland$5,133
    Fort Monmouth$4,986
    Fitchburg$4,965
    Honolulu County$4,959
    Perth Amboy$4,926
    Marin$4,863
    Burlington$4,857
    Seattle$4,797
    Ventura$4,788
    West Palm Beach$4,782
    Manchester$4,707
    Washington$4,692
    Worcester$4,686
    Newport$4,668
    Warrenton$4,599
    New Haven$4,590
    Providence$4,533
    County Cost Group 890$4,530
    Hartford$4,395
    Vandenberg SFB$4,356
    Atlantic City$4,296
    Indian Head Navordsta$4,278
    Hawaii County$4,263
    Boulder$4,218
    County Cost Group 880$4,137
    Ann Arbor$4,128
    JB McGuire-Dix-Lakehurst$4,122
    Annapolis$4,101
    JB Elmendorf-Richardson$4,095
    Austin$4,095
    Chicago$4,086
    Juneau$4,074
    Quantico$4,065
    Stockton$4,047
    Santa Fe$4,023
    Fort G. G. Meade$4,014
    Ketchikan$4,002
    Riverside$4,002
    Madison$3,993
    Hampden County$3,978
    Cape May$3,969
    Willow Grove$3,939
    Everett$3,936
    Vallejo$3,927
    New London$3,906
    Brunswick$3,894
    County Cost Group 870$3,882
    Edwards AFB$3,840
    Kodiak Island$3,831
    Milwaukee$3,831
    Fort Detrick$3,804
    San Bernardino$3,798
    Ballston Spa$3,777
    Corvallis$3,768
    Sitka$3,768
    Philadelphia$3,759
    Asheville$3,723
    Baltimore$3,711
    Portland$3,702
    Outer Banks$3,696
    Astoria$3,672
    County Cost Group 860$3,672
    Oxford$3,663
    Fort Pierce$3,648
    Great Lakes Navtracen$3,645
    Aberdeen Proving Grounds$3,630
    Eglin AFB$3,612
    Denver$3,588
    County Cost Group 850$3,570
    Detroit$3,555
    Charlottesville$3,540
    Dahlgren$3,534
    Bridgeport$3,525
    Sacramento$3,525
    College Station$3,513
    Fort Myers Beach$3,504
    Beale AFB$3,492
    Knoxville$3,492
    JB Lewis-McChord$3,471
    Allentown$3,465
    County Cost Group 840$3,459
    Beaufort$3,438
    Port Angeles$3,435
    Fresno$3,414
    Bremerton$3,411
    Pittsburgh$3,408
    Fairbanks$3,405
    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
    Wilmington$3,303
    Patuxent River$3,300
    Twenty Nine Palms MCB$3,291
    Houston$3,288
    Humboldt County$3,288
    Gainesville$3,276
    Patrick SFB$3,267
    Elizabeth City$3,264
    St. Louis$3,261
    County Cost Group 820$3,255
    Orlando$3,255
    Savannah$3,249
    Rome$3,243
    Yakima$3,243
    Abilene$3,234
    Durham$3,231
    Helena$3,231
    Omaha$3,231
    Richmond$3,231
    Salem$3,228
    Bloomington$3,225
    Cleveland$3,222
    Rochester$3,222
    Nashville$3,219
    Chattanooga$3,201
    Syracuse$3,198
    Spokane$3,195
    Dallas$3,192
    Coastal Maine$3,183
    State College$3,180
    Fort Collins$3,165
    Barstow$3,144
    County Cost Group 810$3,129
    Fort Stewart$3,129
    Coos Bay$3,117
    Hampton$3,099
    Tallahassee$3,099
    Salt Lake City$3,096
    Waco$3,093
    Jackson$3,084
    Dover AFB$3,081
    Carlisle Barracks$3,069
    Cincinnati$3,060
    New Orleans$3,060
    Panama City$3,060
    Charleston$3,039
    Eastern Panhandle$3,027
    Fort Campbell$3,006
    County Cost Group 800$2,997
    Myrtle Beach$2,982
    El Centro$2,976
    Battle Creek$2,973
    Louisville$2,973
    Volusia County$2,970
    Atlanta$2,964
    Corpus Christi$2,964
    Wichita Fls$2,955
    Columbus$2,949
    Grand Rapids$2,946
    Fort Knox$2,943
    Auburn$2,934
    Scott AFB$2,928
    Ocala$2,922
    Cheyenne$2,916
    Kings Bay$2,916
    Fort Carson$2,913
    Grand Haven$2,913
    County Cost Group 790$2,907
    Des Moines$2,904
    Fargo$2,904
    Mountain Home AFB$2,901
    Provo$2,901
    Morehead$2,898
    Johnson City$2,895
    Dahlonega$2,892
    Albuquerque$2,871
    Rock Island$2,868
    Rapid City$2,850
    Fayetteville$2,847
    Kansas City$2,847
    Lexington$2,841
    Lemoore NAS$2,835
    Birmingham$2,826
    Champaign$2,820
    Eastern Shore$2,820
    Lansing$2,820
    Laughlin AFB$2,820
    Bangor$2,814
    Marquette$2,811
    Toledo$2,811
    County Cost Group 780$2,808
    Duluth$2,808
    Fort Worth$2,793
    Fort Gordon$2,787
    Roanoke$2,787
    Fort Drum$2,784
    Shreveport$2,778
    Nellis AFB$2,775
    Phoenix$2,775
    Tulsa$2,766
    Boise$2,763
    Baton Rouge$2,748
    Fort Hood$2,748
    Fort Rucker$2,742
    Jacksonville$2,736
    Raleigh$2,736
    County Cost Group 770$2,730
    Mobile$2,730
    Fort Wayne$2,727
    Columbia$2,724
    Malmstrom SFB$2,724
    Brownsville$2,721
    Akron$2,715
    Ogden$2,715
    Whiteman AFB$2,715
    Robins AFB$2,709
    Wright-Patterson AFB$2,703
    Paducah$2,694
    Grand Forks$2,682
    Wilkes-Barre$2,676
    Lincoln$2,667
    China Lake$2,658
    Terre Haute$2,655
    Greenville$2,649
    Seymour Johnson AFB$2,649
    Springfield$2,649
    County Cost Group 760$2,643
    Memphis$2,643
    Lexington$2,634
    Greensboro$2,631
    Fallon NAS$2,625
    Gulfport$2,625
    Topeka$2,619
    Morgantown$2,613
    Fort Bragg$2,610
    Pensacola$2,610
    Huntsville$2,607
    Lubbock$2,604
    Little Rock$2,598
    Sault Ste Marie$2,595
    Fort Leavenworth$2,589
    Moody AFB$2,589
    Sumter$2,589
    Columbia$2,583
    County Cost Group 750$2,583
    Charlotte$2,577
    Montgomery$2,565
    St Mary And Terrebonne$2,565
    Indianapolis$2,559
    Beaumont$2,553
    Camp Lejeune$2,553
    Davis-Monthan AFB$2,550
    Albany$2,532
    County Cost Group 740$2,520
    Sioux Falls$2,511
    Minot AFB$2,508
    Alexandria$2,496
    Columbus AFB$2,493
    Lafayette$2,484
    Fort Huachuca$2,481
    County Cost Group 730$2,478
    Lake Charles$2,472
    Fort Benning$2,469
    Fort Bliss$2,466
    Charleston$2,463
    Peoria$2,463
    San Antonio (JBSA)$2,457
    Yuma$2,454
    County Cost Group 720$2,451
    Wichita$2,445
    County Cost Group 710$2,424
    Goodfellow AFB$2,415
    Vance AFB$2,415
    Springfield$2,412
    County Cost Group 700$2,400
    Bismarck$2,391
    County Cost Group 690$2,382
    Meridian$2,382
    Holloman AFB$2,376
    Fort Chaffee$2,370
    Hattiesburg$2,370
    County Cost Group 680$2,367
    White Sands MR$2,358
    County Cost Group 670$2,355
    Altus AFB$2,343
    County Cost Group 660$2,340
    Oklahoma City$2,337
    County Cost Group 650$2,331
    Fort Riley$2,325
    County Cost Group 640$2,319
    County Cost Group 630$2,310
    County Cost Group 620$2,301
    County Cost Group 610$2,292
    County Cost Group 600$2,280
    Fort Sill$2,271
    County Cost Group 590$2,268
    Fort Polk$2,262
    County Cost Group 580$2,253
    County Cost Group 570$2,238
    County Cost Group 560$2,226
    Erie$2,226
    Fort Leonard Wood$2,223
    Sparta$2,223
    County Cost Group 550$2,214
    County Cost Group 540$2,205
    Frankfort$2,199
    County Cost Group 530$2,196
    County Cost Group 520$2,190
    Huntington$2,190
    County Cost Group 510$2,184
    Anniston$2,115
    Monroe$2,040
    Saginaw$2,007
    Stevens Point$1,998
    Cannon AFB$1,944
    Youngstown$1,827

    County Cost Group 850 is #95 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 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-6 here adds $30 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 Westchester County at O-5 is worth $4,494 a month — about 150 promotions worth of housing allowance, at $30 per grade here.

    02

    Dependency status is worth 23% 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. $3,570 a month of BAH takes more than $3,570 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.