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-1 without dependents at Fargo draws $1,338 per month in 2026

    Permalinkbahratedesk.com/fargo-nd/o-1/without/ExcelCSVDownloads cover this station.
    Fargo, ND
    O-1 · without dependents
    $1,338/ month
    $16,056 / year
    At O-1, this is #272 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,074
    MHA ND189 · ZIPs 56514 56525 56529 56536 56546 56547 +42 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$1,715 / mo gross
    Other dependency status here$1,785 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Fargo — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,521$1,206
    E-2$1,521$1,206
    E-3$1,521$1,206
    E-4$1,521$1,206
    E-5$1,707$1,281
    E-6$2,337$1,752
    E-7$2,400$1,800
    E-8$2,466$1,851
    E-9$2,574$2,022
    Warrant officer
    W-1$2,358$1,770
    W-2$2,427$1,833
    W-3$2,514$2,046
    W-4$2,598$2,346
    W-5$2,706$2,415
    Officer — prior enlisted
    O-1E$2,409$1,806
    O-2E$2,499$1,980
    O-3E$2,613$2,331
    Officer
    O-1$1,785$1,338
    O-2$2,328$1,803
    O-3$2,511$2,106
    O-4$2,739$2,397
    O-5$2,904$2,430
    O-6$2,925$2,490
    O-7$2,946$2,532
    PCS compareFargo · O-1 · $1,338/mo
    Aberdeen Proving Grounds$2,055/mo · $24,660/yr
    ▲ RAISE+$717+$8,604/yr · like +$11,031 of salary

    What this rate means

    O-1 without dependents, every station0 – $5,067 / month
    New York City$5,067
    San Francisco$4,401
    Nantucket$4,089
    Santa Clara County$4,053
    Boston$3,894
    Westchester County$3,885
    Long Island$3,816
    Northern New Jersey$3,801
    Hanscom AFB$3,780
    Florida Keys$3,657
    Cape Cod-Plymouth$3,465
    Kauai County$3,375
    Staten Island$3,360
    San Diego$3,351
    Martha's Vineyard$3,336
    Maui County$3,309
    Hawaii County$3,297
    Camp Pendleton$3,285
    Perth Amboy$3,282
    Los Angeles$3,255
    Miami$3,252
    Ventura$3,213
    Marin$3,198
    Oakland$3,180
    Fort Monmouth$3,159
    Indian Head Navordsta$3,132
    Essex CO$3,084
    Washington$3,054
    West Point$3,045
    Monterey$3,030
    Honolulu County$2,997
    Vandenberg SFB$2,979
    Trenton$2,952
    West Palm Beach$2,952
    Fitchburg$2,949
    Portland$2,916
    Chicago$2,907
    Providence$2,892
    Portsmouth$2,877
    San Luis Obispo$2,853
    New Haven$2,841
    Riverside$2,835
    Seattle$2,814
    Manchester$2,805
    Vallejo$2,805
    County Cost Group 890$2,751
    Warrenton$2,670
    Worcester$2,652
    San Bernardino$2,628
    JB McGuire-Dix-Lakehurst$2,604
    Annapolis$2,586
    Fort G. G. Meade$2,577
    Burlington$2,568
    Juneau$2,526
    Willow Grove$2,523
    Newport$2,517
    Quantico$2,499
    Beale AFB$2,496
    County Cost Group 880$2,478
    Atlantic City$2,457
    Sitka$2,418
    Fort Myers Beach$2,406
    Hartford$2,397
    Everett$2,385
    Boulder$2,370
    Stockton$2,331
    Tampa$2,328
    Outer Banks$2,313
    Santa Fe$2,310
    County Cost Group 870$2,301
    Dahlgren$2,301
    Fort Pierce$2,301
    Sacramento$2,292
    Cape May$2,289
    Edwards AFB$2,289
    Denver$2,268
    Fort Detrick$2,247
    Orlando$2,247
    Eglin AFB$2,244
    New London$2,241
    Beaufort$2,232
    Baltimore$2,205
    Philadelphia$2,205
    JB Lewis-McChord$2,178
    JB Elmendorf-Richardson$2,166
    Bremerton$2,163
    Ketchikan$2,160
    County Cost Group 860$2,157
    Kodiak Island$2,157
    Patrick SFB$2,148
    Hampden County$2,145
    Allentown$2,142
    Charlottesville$2,142
    Ballston Spa$2,139
    Madison$2,133
    Atlanta$2,130
    Patuxent River$2,127
    Milwaukee$2,124
    Elizabeth City$2,097
    Oxford$2,094
    St. Louis$2,094
    Bridgeport$2,085
    County Cost Group 850$2,085
    Aberdeen Proving Grounds$2,055
    Savannah$2,055
    Charleston$2,049
    Dahlonega$2,049
    Dover AFB$2,043
    Brunswick$2,037
    Fort Stewart$2,037
    Ocala$2,037
    Norfolk$2,022
    Ann Arbor$2,019
    Birmingham$2,007
    County Cost Group 840$2,007
    Portland$2,004
    Traverse City$1,998
    Great Lakes Navtracen$1,977
    Dallas$1,968
    Fort Carson$1,959
    Minneapolis$1,953
    Nashville$1,953
    Panama City$1,953
    Richmond$1,950
    Whidbey Island$1,950
    County Cost Group 830$1,944
    Reno$1,941
    Volusia County$1,938
    Gainesville$1,929
    Knoxville$1,929
    Coastal Maine$1,908
    Fresno$1,908
    Jacksonville$1,908
    Eugene$1,902
    Kings Bay$1,896
    Buffalo$1,890
    Asheville$1,887
    Corvallis$1,884
    Hampton$1,884
    Fairbanks$1,881
    Myrtle Beach$1,875
    Durham$1,869
    Port Angeles$1,869
    County Cost Group 820$1,866
    Eastern Shore$1,854
    Fort Collins$1,851
    Austin$1,848
    Pittsburgh$1,848
    Charlotte$1,833
    Phoenix$1,830
    Grand Haven$1,824
    Memphis$1,824
    El Centro$1,818
    Wilmington$1,818
    Twenty Nine Palms MCB$1,809
    Nellis AFB$1,806
    Raleigh$1,800
    Detroit$1,797
    Provo$1,794
    County Cost Group 810$1,779
    Barstow$1,776
    Cincinnati$1,776
    Astoria$1,773
    Albuquerque$1,770
    Duluth$1,767
    Boise$1,758
    Morehead$1,755
    Fort Worth$1,752
    Grand Rapids$1,752
    Salt Lake City$1,752
    Houston$1,749
    Rome$1,749
    Columbia$1,743
    Lemoore NAS$1,743
    Ogden$1,740
    Salem$1,740
    Eastern Panhandle$1,737
    Chattanooga$1,734
    Tallahassee$1,731
    Fort Gordon$1,728
    Carlisle Barracks$1,725
    Pensacola$1,719
    Jackson$1,716
    Spokane$1,707
    Kansas City$1,701
    Humboldt County$1,698
    Rochester$1,695
    County Cost Group 800$1,689
    Syracuse$1,689
    Columbus$1,686
    Omaha$1,683
    Fort Campbell$1,668
    Little Rock$1,665
    Fort Leavenworth$1,659
    New Orleans$1,650
    Abilene$1,644
    Baton Rouge$1,644
    Greenville$1,644
    Fort Bragg$1,635
    County Cost Group 790$1,626
    Louisville$1,626
    Fort Hood$1,623
    Indianapolis$1,617
    Helena$1,614
    Rapid City$1,614
    Fort Wayne$1,611
    Wilkes-Barre$1,611
    Bloomington$1,602
    San Antonio (JBSA)$1,584
    Robins AFB$1,581
    Cleveland$1,578
    Mobile$1,572
    Roanoke$1,569
    Camp Lejeune$1,566
    College Station$1,563
    County Cost Group 780$1,560
    Bangor$1,557
    Fallon NAS$1,554
    Fort Benning$1,554
    Greensboro$1,551
    Shreveport$1,551
    Lexington$1,545
    Toledo$1,545
    Fayetteville$1,536
    Huntsville$1,536
    Yakima$1,536
    Rock Island$1,533
    Mountain Home AFB$1,527
    Scott AFB$1,527
    Montgomery$1,524
    Auburn$1,521
    Fort Bliss$1,518
    State College$1,515
    Battle Creek$1,509
    County Cost Group 770$1,506
    Fort Knox$1,503
    Corpus Christi$1,494
    Lincoln$1,494
    Akron$1,491
    Coos Bay$1,488
    China Lake$1,482
    Davis-Monthan AFB$1,482
    Moody AFB$1,476
    Seymour Johnson AFB$1,476
    Waco$1,473
    Fort Drum$1,470
    Malmstrom SFB$1,467
    Beaumont$1,455
    County Cost Group 760$1,443
    Tulsa$1,443
    Erie$1,434
    Oklahoma City$1,434
    Peoria$1,434
    St Mary And Terrebonne$1,431
    Marquette$1,428
    Cheyenne$1,422
    Des Moines$1,413
    Fort Huachuca$1,413
    Wright-Patterson AFB$1,413
    Gulfport$1,410
    Lansing$1,410
    County Cost Group 750$1,404
    Yuma$1,401
    Bismarck$1,398
    Champaign$1,392
    Johnson City$1,380
    Topeka$1,377
    Sumter$1,374
    Sparta$1,362
    County Cost Group 740$1,359
    Lubbock$1,350
    Fargo$1,338
    Lexington$1,335
    County Cost Group 730$1,332
    Goodfellow AFB$1,332
    Grand Forks$1,329
    Brownsville$1,323
    County Cost Group 720$1,311
    Lafayette$1,311
    Fort Rucker$1,305
    Minot AFB$1,302
    Terre Haute$1,302
    White Sands MR$1,302
    Sioux Falls$1,296
    County Cost Group 710$1,293
    Fort Leonard Wood$1,293
    Wichita Fls$1,290
    Albany$1,281
    Whiteman AFB$1,281
    County Cost Group 700$1,278
    Huntington$1,269
    Laughlin AFB$1,269
    County Cost Group 690$1,263
    Morgantown$1,263
    Wichita$1,263
    County Cost Group 680$1,254
    County Cost Group 670$1,245
    Holloman AFB$1,245
    County Cost Group 660$1,236
    Stevens Point$1,236
    Hattiesburg$1,233
    Sault Ste Marie$1,230
    County Cost Group 650$1,227
    Fort Riley$1,227
    County Cost Group 640$1,221
    County Cost Group 630$1,215
    Lake Charles$1,215
    Paducah$1,215
    Alexandria$1,212
    Charleston$1,209
    County Cost Group 620$1,206
    Columbus AFB$1,203
    County Cost Group 610$1,200
    County Cost Group 600$1,194
    Springfield$1,194
    Columbia$1,191
    Fort Polk$1,191
    County Cost Group 590$1,185
    Springfield$1,182
    County Cost Group 580$1,173
    Fort Sill$1,167
    County Cost Group 570$1,164
    Frankfort$1,164
    Anniston$1,161
    Saginaw$1,158
    County Cost Group 560$1,155
    Cannon AFB$1,152
    County Cost Group 550$1,149
    County Cost Group 540$1,140
    County Cost Group 530$1,134
    County Cost Group 520$1,131
    County Cost Group 510$1,128
    Vance AFB$1,107
    Meridian$1,092
    Monroe$1,089
    Altus AFB$1,086
    Fort Chaffee$1,077
    Youngstown$1,074

    Fargo is #272 of 338. The spread between the dearest and cheapest station at this grade is $3,993 a month — $47,916 a year, untaxed.

    Every pay grade at Fargo0 – $2,532 / month
    E-1$1,206
    E-2$1,206
    E-3$1,206
    E-4$1,206
    E-5$1,281
    E-6$1,752
    E-7$1,800
    E-8$1,851
    E-9$2,022
    W-1$1,770
    W-2$1,833
    W-3$2,046
    W-4$2,346
    W-5$2,415
    O-1E$1,806
    O-2E$1,980
    O-3E$2,331
    O-1$1,338
    O-2$1,803
    O-3$2,106
    O-4$2,397
    O-5$2,430
    O-6$2,490
    O-7$2,532

    Promoting to O-2 here adds $465 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 Fargo to New York City at O-1 is worth $3,729 a month — about 8 promotions worth of housing allowance, at $465 per grade here.

    02

    Dependency status is worth 33% 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. $1,338 a month of BAH takes more than $1,338 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.