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 $2,535Without $2,157

    O-1 at County Cost Group 860 draws $2,535 per month with dependents in 2026, $2,157 without

    Permalinkbahratedesk.com/county-cost-group-860/o-1/ExcelCSVDownloads cover this station.
    County Cost Group 860
    O-1 · with dependents
    $2,535/ month
    $30,420 / year
    At O-1, this is #91 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218
    MHA ZZ860 · ZIPs 01054 01072 01093 01301 01302 01330 +419 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$3,250 / mo gross
    Without dependents here$2,157 / mo
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 860 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,325$1,821
    E-2$2,325$1,821
    E-3$2,325$1,821
    E-4$2,325$1,821
    E-5$2,487$2,037
    E-6$2,829$2,172
    E-7$2,922$2,328
    E-8$3,027$2,562
    E-9$3,186$2,655
    Warrant officer
    W-1$2,847$2,277
    W-2$2,964$2,559
    W-3$3,093$2,670
    W-4$3,219$2,844
    W-5$3,378$2,946
    Officer — prior enlisted
    O-1E$2,940$2,484
    O-2E$3,072$2,634
    O-3E$3,246$2,820
    Officer
    O-1$2,535$2,157
    O-2$2,826$2,436
    O-3$3,090$2,703
    O-4$3,429$2,922
    O-5$3,672$2,976
    O-6$3,702$3,072
    O-7$3,729$3,123
    PCS compareCounty Cost Group 860 · O-1 · $2,535/mo
    Aberdeen Proving Grounds$2,517/mo · $30,204/yr
    ▼ CUT−$18−$216/yr · like −$277 of salary

    What this rate means

    O-1 with dependents, nearest stations0 – $5,172 / month
    San Francisco$5,172
    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
    Youngstown$1,218

    County Cost Group 860 is #91 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 8600 – $3,729 / month
    E-1$2,325
    E-2$2,325
    E-3$2,325
    E-4$2,325
    E-5$2,487
    E-6$2,829
    E-7$2,922
    E-8$3,027
    E-9$3,186
    W-1$2,847
    W-2$2,964
    W-3$3,093
    W-4$3,219
    W-5$3,378
    O-1E$2,940
    O-2E$3,072
    O-3E$3,246
    O-1$2,535
    O-2$2,826
    O-3$3,090
    O-4$3,429
    O-5$3,672
    O-6$3,702
    O-7$3,729

    Promoting to O-2 here adds $291 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 860 to San Francisco at O-1 is worth $2,637 a month — about 9 promotions worth of housing allowance, at $291 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. $2,535 a month of BAH takes more than $2,535 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.