What is O-6 BAH at Eastern Shore in 2026?

$2,841 per month with dependents ($34,092 per year), effective 01 JAN 2026. without dependents it is $2,385 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-6 BAH at Eastern Shore 2026 — $2,841/mo with dependents

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

Eastern Shore, MD

O-6 · with dependents

$2,841/ month

$34,092 / year

At O-6, this is #207 of 338 stations loaded · high Westchester County $8,136 · low Youngstown $1,839

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

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Untaxed — matching it with taxable pay takes$3,642 / mo gross

Other dependency status here$2,385 without dependents

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-6 with dependents, nearest stations0 – $8,136 / month

Westchester County$8,136

Lexington$2,862

Lemoore NAS$2,856

Birmingham$2,847

Champaign$2,841

Eastern Shore$2,841

Lansing$2,841

Laughlin AFB$2,841

Bangor$2,835

Marquette$2,832

Youngstown$1,839

Eastern Shore is #207 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 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-7 here adds $18 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 Westchester County at O-6 is worth $5,295 a month — about 294 promotions worth of housing allowance, at $18 per grade here.

Dependency status is worth 19% 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. $2,841 a month of BAH takes more than $2,841 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-6 with dependents at Eastern Shore draws $2,841 per month in 2026

What this rate means

Things the rate table doesn't tell you