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
    With $3,405Without $2,733

    O-5 at Fairbanks draws $3,405 per month with dependents in 2026, $2,733 without

    Permalinkbahratedesk.com/fairbanks-ak/o-5/ExcelCSVDownloads cover this station.
    Fairbanks, AK
    O-5 · with dependents
    $3,405/ month
    $40,860 / year
    At O-5, this is #113 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA AK405 · ZIPs 99701 99702 99703 99705 99706 99707 +17 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,365 / mo gross
    Without dependents here$2,733 / mo
    In government quarters, no dependents$50.10 / mo partial
    Fairbanks — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,106$1,581
    E-2$2,106$1,581
    E-3$2,106$1,581
    E-4$2,106$1,581
    E-5$2,436$1,827
    E-6$2,454$1,887
    E-7$2,610$1,989
    E-8$2,814$2,166
    E-9$3,018$2,265
    Warrant officer
    W-1$2,457$1,965
    W-2$2,694$2,163
    W-3$2,943$2,271
    W-4$3,045$2,463
    W-5$3,171$2,655
    Officer — prior enlisted
    O-1E$2,646$2,091
    O-2E$2,907$2,235
    O-3E$3,066$2,415
    Officer
    O-1$2,448$1,881
    O-2$2,451$2,064
    O-3$2,937$2,301
    O-4$3,210$2,619
    O-5$3,405$2,733
    O-6$3,432$2,922
    O-7$3,456$2,973
    PCS compareFairbanks · O-5 · $3,405/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$225+$2,700/yr · like +$3,462 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Port Angeles$3,435
    Fresno$3,414
    Bremerton$3,411
    Pittsburgh$3,408
    Fairbanks$3,405
    Whidbey Island$3,402
    Tampa$3,390
    Traverse City$3,390
    Minneapolis$3,384
    Youngstown$1,827

    Fairbanks is #113 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 Fairbanks0 – $3,456 / month
    E-1$2,106
    E-2$2,106
    E-3$2,106
    E-4$2,106
    E-5$2,436
    E-6$2,454
    E-7$2,610
    E-8$2,814
    E-9$3,018
    W-1$2,457
    W-2$2,694
    W-3$2,943
    W-4$3,045
    W-5$3,171
    O-1E$2,646
    O-2E$2,907
    O-3E$3,066
    O-1$2,448
    O-2$2,451
    O-3$2,937
    O-4$3,210
    O-5$3,405
    O-6$3,432
    O-7$3,456

    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 Fairbanks to Westchester County at O-5 is worth $4,659 a month — about 173 promotions worth of housing allowance, at $27 per grade here.

    02

    Dependency status is worth 25% 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. $3,405 a month of BAH takes more than $3,405 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.