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-6 with dependents at Duluth draws $2,829 per month in 2026

    Permalinkbahratedesk.com/duluth-mn/o-6/with/ExcelCSVDownloads cover this station.
    Duluth, MN
    O-6 · with dependents
    $2,829/ month
    $33,948 / year
    At O-6, this is #214 of 338 stations loaded · high Westchester County $8,136 · low Youngstown $1,839
    MHA MN158 · ZIPs 54820 54836 54838 54842 54849 54854 +68 more
    Your grade is calledARMYCOLUSMCColNAVYCAPTUSAFCol
    Untaxed — matching it with taxable pay takes$3,627 / mo gross
    Other dependency status here$2,349 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Duluth — full sheetTap 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
    PCS compareDuluth · O-6 · $2,829/mo
    Aberdeen Proving Grounds$3,660/mo · $43,920/yr
    ▲ RAISE+$831+$9,972/yr · like +$12,785 of salary

    What this rate means

    O-6 with dependents, nearest stations0 – $8,136 / month
    Westchester County$8,136
    Bangor$2,835
    Marquette$2,832
    Toledo$2,832
    County Cost Group 780$2,829
    Duluth$2,829
    Fort Worth$2,814
    Fort Gordon$2,808
    Roanoke$2,808
    Fort Drum$2,805
    Youngstown$1,839

    Duluth is #214 of 338. The spread between the dearest and cheapest station at this grade is $6,297 a month — $75,564 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

    Promoting to O-7 here adds $18 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 Duluth to Westchester County at O-6 is worth $5,307 a month — about 295 promotions worth of housing allowance, at $18 per grade here.

    02

    Dependency status is worth 20% 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. $2,829 a month of BAH takes more than $2,829 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.