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 Eugene draws $3,324 per month in 2026

    Permalinkbahratedesk.com/eugene-or/o-5/with/ExcelCSVDownloads cover this station.
    Eugene, OR
    O-5 · with dependents
    $3,324/ month
    $39,888 / year
    At O-5, this is #121 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA OR246 · ZIPs 97401 97402 97403 97404 97405 97408 +31 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,262 / mo gross
    Other dependency status here$2,643 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Eugene — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,046$1,701
    E-2$2,046$1,701
    E-3$2,046$1,701
    E-4$2,046$1,701
    E-5$2,187$1,827
    E-6$2,481$1,914
    E-7$2,583$2,049
    E-8$2,694$2,250
    E-9$2,856$2,331
    Warrant officer
    W-1$2,499$2,010
    W-2$2,628$2,247
    W-3$2,769$2,343
    W-4$2,889$2,499
    W-5$3,042$2,607
    Officer — prior enlisted
    O-1E$2,601$2,184
    O-2E$2,748$2,313
    O-3E$2,913$2,472
    Officer
    O-1$2,229$1,902
    O-2$2,478$2,145
    O-3$2,766$2,370
    O-4$3,090$2,583
    O-5$3,324$2,643
    O-6$3,351$2,748
    O-7$3,375$2,793
    PCS compareEugene · O-5 · $3,324/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$306+$3,672/yr · like +$4,708 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Minneapolis$3,384
    County Cost Group 830$3,366
    Reno$3,357
    Buffalo$3,324
    Eugene$3,324
    Norfolk$3,318
    Wilmington$3,303
    Patuxent River$3,300
    Twenty Nine Palms MCB$3,291
    Youngstown$1,827

    Eugene is #121 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 Eugene0 – $3,375 / month
    E-1$2,046
    E-2$2,046
    E-3$2,046
    E-4$2,046
    E-5$2,187
    E-6$2,481
    E-7$2,583
    E-8$2,694
    E-9$2,856
    W-1$2,499
    W-2$2,628
    W-3$2,769
    W-4$2,889
    W-5$3,042
    O-1E$2,601
    O-2E$2,748
    O-3E$2,913
    O-1$2,229
    O-2$2,478
    O-3$2,766
    O-4$3,090
    O-5$3,324
    O-6$3,351
    O-7$3,375

    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 Eugene to Westchester County at O-5 is worth $4,740 a month — about 176 promotions worth of housing allowance, at $27 per grade here.

    02

    Dependency status is worth 26% 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. $3,324 a month of BAH takes more than $3,324 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.