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

Press Enter to look it up.

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 $1,770 Without $1,359

E-5 at Des Moines draws $1,770 per month with dependents in 2026, $1,359 without

Permalink bahratedesk.com/des-moines-ia/ Excel CSV
Des Moines, IA
E-5 · with dependents
$1,770/ month
$21,240 / year
At E-5, this is #231 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA IA082 · ZIPs 50007 50009 50021 50023 50032 50035 +70 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,269 / mo gross
Without dependents here $1,359 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Des Moines · E-5 · $1,770/mo
Des Moines $1,770/mo · $21,240/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Des Moines — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,593 $1,284
E-2 $1,593 $1,284
E-3 $1,593 $1,284
E-4 $1,593 $1,284
E-5 $1,770 $1,359
E-6 $2,208 $1,656
E-7 $2,292 $1,719
E-8 $2,379 $1,863
E-9 $2,511 $1,989
Warrant officer
W-1 $2,229 $1,674
W-2 $2,328 $1,860
W-3 $2,436 $2,007
W-4 $2,538 $2,223
W-5 $2,667 $2,310
Officer — prior enlisted
O-1E $2,304 $1,767
O-2E $2,418 $1,962
O-3E $2,559 $2,202
Officer
O-1 $1,830 $1,413
O-2 $2,205 $1,722
O-3 $2,433 $2,049
O-4 $2,706 $2,289
O-5 $2,904 $2,334
O-6 $2,925 $2,415
O-7 $2,943 $2,454

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Greensboro $1,809
Fort Bragg $1,806
Lansing $1,806
Robins AFB $1,800
Huntsville $1,797
State College $1,791
Corpus Christi $1,788
Lincoln $1,788
Fayetteville $1,782
Coos Bay $1,779
Des Moines $1,770
College Station $1,758
Waco $1,755
County Cost Group 770 $1,752
Wilkes-Barre $1,740
Grand Forks $1,731
Fort Huachuca $1,719
Fort Benning $1,716
Auburn $1,707
Fargo $1,707
White Sands MR $1,701
Anniston $1,185

Des Moines is #231 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 Des Moines0 – $2,943 / month
E-1 $1,593
E-2 $1,593
E-3 $1,593
E-4 $1,593
E-5 $1,770
E-6 $2,208
E-7 $2,292
E-8 $2,379
E-9 $2,511
W-1 $2,229
W-2 $2,328
W-3 $2,436
W-4 $2,538
W-5 $2,667
O-1E $2,304
O-2E $2,418
O-3E $2,559
O-1 $1,830
O-2 $2,205
O-3 $2,433
O-4 $2,706
O-5 $2,904
O-6 $2,925
O-7 $2,943

The pay chart moves this allowance far less than the map does.

Moving from Des Moines to San Francisco at E-5 is worth $3,357 a month — about 8 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.