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-5 with dependents at Durham draws $3,231 per month in 2026

    Permalinkbahratedesk.com/durham-chapel-hill-nc/o-5/with/ExcelCSVDownloads cover this station.
    Durham/Chapel Hill, NC
    O-5 · with dependents
    $3,231/ month
    $38,772 / year
    At O-5, this is #138 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA NC180 · ZIPs 27231 27243 27278 27503 27509 27510 +22 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,142 / mo gross
    Other dependency status here$2,451 without dependents
    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-5 · $3,231/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$399+$4,788/yr · like +$6,138 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Savannah$3,249
    Rome$3,243
    Yakima$3,243
    Abilene$3,234
    Durham$3,231
    Helena$3,231
    Omaha$3,231
    Richmond$3,231
    Salem$3,228
    Youngstown$1,827

    Durham is #138 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 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-6 here adds $27 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 Westchester County at O-5 is worth $4,833 a month — about 179 promotions worth of housing allowance, at $27 per grade here.

    02

    Dependency status is worth 32% 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. $3,231 a month of BAH takes more than $3,231 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.