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 without dependents at Denver draws $3,135 per month in 2026

    Permalinkbahratedesk.com/denver-co/o-5/without/ExcelCSVDownloads cover this station.
    Denver, CO
    O-5 · without dependents
    $3,135/ month
    $37,620 / year
    At O-5, this is #78 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA CO045 · ZIPs 80001 80002 80003 80004 80005 80006 +144 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,019 / mo gross
    Other dependency status here$3,588 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Denver — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,556$1,938
    E-2$2,556$1,938
    E-3$2,556$1,938
    E-4$2,556$1,938
    E-5$2,841$2,148
    E-6$3,063$2,301
    E-7$3,114$2,568
    E-8$3,168$2,889
    E-9$3,267$2,946
    Warrant officer
    W-1$3,081$2,463
    W-2$3,135$2,886
    W-3$3,210$2,958
    W-4$3,288$3,066
    W-5$3,396$3,126
    Officer — prior enlisted
    O-1E$3,120$2,838
    O-2E$3,195$2,934
    O-3E$3,306$3,054
    Officer
    O-1$2,874$2,268
    O-2$3,060$2,748
    O-3$3,207$2,979
    O-4$3,426$3,108
    O-5$3,588$3,135
    O-6$3,615$3,186
    O-7$3,642$3,240
    PCS compareDenver · O-5 · $3,135/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▼ CUT−$201−$2,412/yr · like −$3,092 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    Stockton$3,156
    County Cost Group 870$3,153
    Ketchikan$3,141
    Beale AFB$3,135
    Denver$3,135
    Cape May$3,129
    Ballston Spa$3,081
    Eglin AFB$3,066
    Tampa$3,057
    Youngstown$1,593

    Denver is #78 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 a year, untaxed.

    Every pay grade at Denver0 – $3,240 / month
    E-1$1,938
    E-2$1,938
    E-3$1,938
    E-4$1,938
    E-5$2,148
    E-6$2,301
    E-7$2,568
    E-8$2,889
    E-9$2,946
    W-1$2,463
    W-2$2,886
    W-3$2,958
    W-4$3,066
    W-5$3,126
    O-1E$2,838
    O-2E$2,934
    O-3E$3,054
    O-1$2,268
    O-2$2,748
    O-3$2,979
    O-4$3,108
    O-5$3,135
    O-6$3,186
    O-7$3,240

    Promoting to O-6 here adds $51 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 Denver to Westchester County at O-5 is worth $3,027 a month — about 59 promotions worth of housing allowance, at $51 per grade here.

    02

    Dependency status is worth 14% 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. $3,135 a month of BAH takes more than $3,135 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.