What is W-5 BAH at Eastern Shore in 2026?

$2,610 per month with dependents ($31,320 per year), effective 01 JAN 2026. without dependents it is $2,352 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.

W-5 BAH at Eastern Shore 2026 — $2,610/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

W-5 · with dependents

$2,610/ month

$31,320 / year

At W-5, this is #204 of 338 stations loaded · high Westchester County $7,338 · low Youngstown $1,806

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

Your grade is calledARMYCW5USMCCWO5NAVYCWO5

Untaxed — matching it with taxable pay takes$3,346 / mo gross

Other dependency status here$2,352 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

W-5 with dependents, nearest stations0 – $7,338 / month

Westchester County$7,338

Fort Drum$2,631

Phoenix$2,622

Johnson City$2,616

Fort Worth$2,613

Eastern Shore$2,610

Mountain Home AFB$2,610

Fayetteville$2,601

Marquette$2,598

Duluth$2,583

Youngstown$1,806

Eastern Shore is #204 of 338. The spread between the dearest and cheapest station at this grade is $5,532 a month — $66,384 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

Rates flatten out at the top of each track, which is why the sheet stops at O-7.

Dependency status is worth 11% 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. $2,610 a month of BAH takes more than $2,610 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.

W-5 with dependents at Eastern Shore draws $2,610 per month in 2026

What this rate means

Things the rate table doesn't tell you