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
    With $2,388Without $2,082

    O-2 at Durham draws $2,388 per month with dependents in 2026, $2,082 without

    Permalinkbahratedesk.com/durham-chapel-hill-nc/o-2/ExcelCSVDownloads cover this station.
    Durham/Chapel Hill, NC
    O-2 · with dependents
    $2,388/ month
    $28,656 / year
    At O-2, this is #162 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332
    MHA NC180 · ZIPs 27231 27243 27278 27503 27509 27510 +22 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$3,062 / mo gross
    Without dependents here$2,082 / mo
    In government quarters, no dependents$50.10 / mo partial
    Durham — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,995$1,602
    E-2$1,995$1,602
    E-3$1,995$1,602
    E-4$1,995$1,602
    E-5$2,118$1,770
    E-6$2,391$1,878
    E-7$2,436$1,998
    E-8$2,484$2,178
    E-9$2,631$2,250
    Warrant officer
    W-1$2,409$1,965
    W-2$2,454$2,175
    W-3$2,520$2,262
    W-4$2,673$2,394
    W-5$2,868$2,445
    Officer — prior enlisted
    O-1E$2,439$2,115
    O-2E$2,508$2,235
    O-3E$2,703$2,382
    Officer
    O-1$2,160$1,869
    O-2$2,388$2,082
    O-3$2,517$2,289
    O-4$2,931$2,430
    O-5$3,231$2,451
    O-6$3,258$2,496
    O-7$3,279$2,538
    PCS compareDurham · O-2 · $2,388/mo
    Aberdeen Proving Grounds$2,739/mo · $32,868/yr
    ▲ RAISE+$351+$4,212/yr · like +$5,400 of salary

    What this rate means

    O-2 with dependents, nearest stations0 – $5,451 / month
    San Francisco$5,451
    Cleveland$2,415
    Grand Rapids$2,400
    Chattanooga$2,394
    Salem$2,394
    Durham$2,388
    Ocala$2,388
    College Station$2,385
    County Cost Group 810$2,385
    Syracuse$2,382
    Youngstown$1,332

    Durham is #162 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 a year, untaxed.

    Every pay grade at Durham0 – $3,279 / month
    E-1$1,995
    E-2$1,995
    E-3$1,995
    E-4$1,995
    E-5$2,118
    E-6$2,391
    E-7$2,436
    E-8$2,484
    E-9$2,631
    W-1$2,409
    W-2$2,454
    W-3$2,520
    W-4$2,673
    W-5$2,868
    O-1E$2,439
    O-2E$2,508
    O-3E$2,703
    O-1$2,160
    O-2$2,388
    O-3$2,517
    O-4$2,931
    O-5$3,231
    O-6$3,258
    O-7$3,279

    Promoting to O-3 here adds $129 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 Durham to San Francisco at O-2 is worth $3,063 a month — about 24 promotions worth of housing allowance, at $129 per grade here.

    02

    Dependency status is worth 15% 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. $2,388 a month of BAH takes more than $2,388 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.