Official data current

Duluth BAH rates

Verified · Effective 2026-01-01 · MHA MN158

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O-7 · With dependents
$2,847per month

$34,164 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #213 of 338O-7 · with dependents reference
Taxable-pay equivalent$3,650/mo Using the stated 22% comparison rate
Year-over-year change+$201/mo · +7.6%2025 $2,646 → 2026 $2,847
O-7 rate selectedMHA MN158 ZIPs 54820 54836 54838 54842 54849 54854 +68
PCS compare Duluth · O-7 · with dep. · $2,847/mo
Duluth $2,847/mo · $34,164/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.

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

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Rate history

How updates work
2025$2,646
2026$2,847

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Duluth — full sheet Tap a row

What this rate means

O-7 with dependents, nearest stations0 – $8,208 / month
Westchester County $8,208
Lemoore NAS $2,874
Birmingham $2,865
Champaign $2,859
Eastern Shore $2,859
Lansing $2,859
Laughlin AFB $2,859
Bangor $2,853
Marquette $2,850
Toledo $2,850
County Cost Group 780 $2,847
Duluth $2,847
Fort Worth $2,832
Fort Gordon $2,826
Roanoke $2,826
Fort Drum $2,823
Shreveport $2,817
Nellis AFB $2,814
Phoenix $2,814
Tulsa $2,805
Boise $2,802
Baton Rouge $2,787
Youngstown $1,845

Duluth is #213 of 338. The spread between the dearest and cheapest station at this grade is $6,363 a month — $76,356 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.

What the rate table does not 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.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…