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

Press Enter to look it up.

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 $3,477 Without $2,910

E-5 at Essex CO draws $3,477 per month with dependents in 2026, $2,910 without

Permalink bahratedesk.com/essex-co-ma/ Excel CSV
Essex CO, MA
E-5 · with dependents
$3,477/ month
$41,724 / year
At E-5, this is #25 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA MA125 · ZIPs 01810 01812 01830 01831 01832 01833 +33 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $4,458 / mo gross
Without dependents here $2,910 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Essex CO · E-5 · $3,477/mo
Essex CO $3,477/mo · $41,724/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Essex CO — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $3,282 $2,589
E-2 $3,282 $2,589
E-3 $3,282 $2,589
E-4 $3,282 $2,589
E-5 $3,477 $2,910
E-6 $3,744 $3,102
E-7 $4,032 $3,288
E-8 $4,344 $3,537
E-9 $4,755 $3,606
Warrant officer
W-1 $3,765 $3,225
W-2 $4,158 $3,534
W-3 $4,545 $3,618
W-4 $4,833 $3,807
W-5 $5,181 $4,101
Officer — prior enlisted
O-1E $4,089 $3,474
O-2E $4,488 $3,591
O-3E $4,887 $3,735
Officer
O-1 $3,516 $3,084
O-2 $3,741 $3,417
O-3 $4,533 $3,642
O-4 $5,301 $4,053
O-5 $5,853 $4,389
O-6 $5,904 $4,524
O-7 $5,952 $4,605

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Cape Cod-Plymouth $3,924
Los Angeles $3,882
Kauai County $3,798
Oakland $3,759
Staten Island $3,735
Honolulu County $3,663
Miami $3,660
Hawaii County $3,594
Fort Monmouth $3,549
Ventura $3,537
Essex CO $3,477
West Point $3,468
Monterey $3,465
Trenton $3,465
Chicago $3,438
West Palm Beach $3,423
Perth Amboy $3,393
Vallejo $3,369
Juneau $3,354
Riverside $3,351
Vandenberg SFB $3,333
Anniston $1,185

Essex CO is #25 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Essex CO0 – $5,952 / month
E-1 $3,282
E-2 $3,282
E-3 $3,282
E-4 $3,282
E-5 $3,477
E-6 $3,744
E-7 $4,032
E-8 $4,344
E-9 $4,755
W-1 $3,765
W-2 $4,158
W-3 $4,545
W-4 $4,833
W-5 $5,181
O-1E $4,089
O-2E $4,488
O-3E $4,887
O-1 $3,516
O-2 $3,741
O-3 $4,533
O-4 $5,301
O-5 $5,853
O-6 $5,904
O-7 $5,952

The pay chart moves this allowance far less than the map does.

Moving from Essex CO to San Francisco at E-5 is worth $1,650 a month — about 6 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.