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 $2,064 Without $1,653

E-5 at Duluth draws $2,064 per month with dependents in 2026, $1,653 without

Permalink bahratedesk.com/duluth-mn/ Excel CSV
Duluth, MN
E-5 · with dependents
$2,064/ month
$24,768 / year
At E-5, this is #168 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA MN158 · ZIPs 54820 54836 54838 54842 54849 54854 +68 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,646 / mo gross
Without dependents here $1,653 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Duluth · E-5 · $2,064/mo
Duluth $2,064/mo · $24,768/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.

Duluth — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,917 $1,455
E-2 $1,917 $1,455
E-3 $1,917 $1,455
E-4 $1,917 $1,455
E-5 $2,064 $1,653
E-6 $2,334 $1,782
E-7 $2,355 $1,923
E-8 $2,364 $2,124
E-9 $2,433 $2,196
Warrant officer
W-1 $2,352 $1,878
W-2 $2,361 $2,121
W-3 $2,373 $2,208
W-4 $2,457 $2,328
W-5 $2,583 $2,343
Officer — prior enlisted
O-1E $2,358 $2,061
O-2E $2,367 $2,181
O-3E $2,478 $2,325
Officer
O-1 $2,106 $1,767
O-2 $2,331 $2,019
O-3 $2,370 $2,232
O-4 $2,619 $2,331
O-5 $2,808 $2,346
O-6 $2,829 $2,349
O-7 $2,847 $2,376

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Rome $2,109
Myrtle Beach $2,097
Raleigh $2,091
Bridgeport $2,085
Omaha $2,085
Carlisle Barracks $2,076
Whidbey Island $2,073
Nellis AFB $2,070
Traverse City $2,070
County Cost Group 810 $2,064
Duluth $2,064
Eastern Panhandle $2,058
Provo $2,058
Astoria $2,055
Syracuse $2,049
Gainesville $2,040
Wilmington $2,040
Toledo $2,031
Salem $2,004
Barstow $2,001
Cleveland $1,998
Anniston $1,185

Duluth is #168 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 Duluth0 – $2,847 / month
E-1 $1,917
E-2 $1,917
E-3 $1,917
E-4 $1,917
E-5 $2,064
E-6 $2,334
E-7 $2,355
E-8 $2,364
E-9 $2,433
W-1 $2,352
W-2 $2,361
W-3 $2,373
W-4 $2,457
W-5 $2,583
O-1E $2,358
O-2E $2,367
O-3E $2,478
O-1 $2,106
O-2 $2,331
O-3 $2,370
O-4 $2,619
O-5 $2,808
O-6 $2,829
O-7 $2,847

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

Moving from Duluth to San Francisco at E-5 is worth $3,063 a month — about 11 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.