What is O-1 BAH at Eastern Shore in 2026?

$2,151 per month with dependents ($25,812 per year), effective 01 JAN 2026. Without dependents it is $1,854 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-1 BAH at Eastern Shore 2026 — $2,151 with dependents, $1,854 without

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Eastern Shore, MD

O-1 · with dependents

$2,151/ month

$25,812 / year

At O-1, this is #160 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218

MHA MD432 · ZIPs 21801 21802 21803 21804 21810 21811 +91 more

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$2,758 / mo gross

Without dependents here$1,854 / mo

In government quarters, no dependents$50.10 / mo partial

Eastern Shore — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,989	$1,602
E-2	$1,989	$1,602
E-3	$1,989	$1,602
E-4	$1,989	$1,602
E-5	$2,121	$1,761
E-6	$2,313	$1,866
E-7	$2,346	$1,992
E-8	$2,382	$2,166
E-9	$2,472	$2,214
Warrant officer
W-1	$2,331	$1,956
W-2	$2,358	$2,163
W-3	$2,409	$2,223
W-4	$2,496	$2,313
W-5	$2,610	$2,352
Officer — prior enlisted
O-1E	$2,349	$2,118
O-2E	$2,397	$2,202
O-3E	$2,514	$2,304
Officer
O-1	$2,151	$1,854
O-2	$2,310	$2,082
O-3	$2,406	$2,238
O-4	$2,643	$2,337
O-5	$2,820	$2,355
O-6	$2,841	$2,385
O-7	$2,859	$2,424

What this rate means

O-1 with dependents, nearest stations0 – $5,172 / month

San Francisco$5,172

Fort Worth$2,163

Durham$2,160

Traverse City$2,160

Whidbey Island$2,157

Eastern Shore$2,151

Astoria$2,145

Kings Bay$2,145

Ogden$2,139

Myrtle Beach$2,136

Youngstown$1,218

Eastern Shore is #160 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 a year, untaxed.

Every pay grade at Eastern Shore0 – $2,859 / month

E-1$1,989

E-2$1,989

E-3$1,989

E-4$1,989

E-5$2,121

E-6$2,313

E-7$2,346

E-8$2,382

E-9$2,472

W-1$2,331

W-2$2,358

W-3$2,409

W-4$2,496

W-5$2,610

O-1E$2,349

O-2E$2,397

O-3E$2,514

O-1$2,151

O-2$2,310

O-3$2,406

O-4$2,643

O-5$2,820

O-6$2,841

O-7$2,859

Promoting to O-2 here adds $159 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Eastern Shore to San Francisco at O-1 is worth $3,021 a month — about 19 promotions worth of housing allowance, at $159 per grade here.

Dependency status is worth 16% 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.

None of it is taxed. $2,151 a month of BAH takes more than $2,151 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-1 at Eastern Shore draws $2,151 per month with dependents in 2026, $1,854 without

What this rate means

Things the rate table doesn't tell you