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-2E with dependents at Fargo draws $2,499 per month in 2026

    Permalinkbahratedesk.com/fargo-nd/o-2e/with/ExcelCSVDownloads cover this station.
    Fargo, ND
    O-2E · with dependents
    $2,499/ month
    $29,988 / year
    At O-2E, this is #175 of 338 stations loaded · high Westchester County $6,564 · low Anniston $1,671
    MHA ND189 · ZIPs 56514 56525 56529 56536 56546 56547 +42 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$3,204 / mo gross
    Other dependency status here$1,980 without 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-2E · $2,499/mo
    Aberdeen Proving Grounds$3,051/mo · $36,612/yr
    ▲ RAISE+$552+$6,624/yr · like +$8,492 of salary

    What this rate means

    O-2E with dependents, every station0 – $6,564 / month
    Westchester County$6,564
    San Francisco$5,547
    Maui County$5,529
    New York City$5,502
    Nantucket$5,421
    Santa Clara County$5,184
    Boston$5,142
    Northern New Jersey$5,088
    Long Island$5,043
    Martha's Vineyard$5,001
    Florida Keys$4,827
    Monterey$4,773
    Hanscom AFB$4,752
    Camp Pendleton$4,644
    Kauai County$4,638
    Staten Island$4,533
    San Diego$4,506
    Los Angeles$4,503
    Essex CO$4,488
    Portsmouth$4,419
    Honolulu County$4,398
    Miami$4,398
    Cape Cod-Plymouth$4,395
    West Point$4,362
    Oakland$4,344
    Trenton$4,338
    Fort Monmouth$4,314
    Perth Amboy$4,227
    Portland$4,221
    San Luis Obispo$4,200
    Ventura$4,200
    Seattle$4,197
    Manchester$4,194
    Burlington$4,176
    Marin$4,125
    Newport$4,098
    Fitchburg$4,026
    Washington$4,002
    Providence$3,978
    West Palm Beach$3,954
    Hawaii County$3,936
    New Haven$3,834
    County Cost Group 890$3,807
    Vandenberg SFB$3,771
    Chicago$3,735
    Hartford$3,735
    Worcester$3,732
    Brunswick$3,696
    Riverside$3,693
    Santa Fe$3,690
    Boulder$3,687
    Indian Head Navordsta$3,648
    Warrenton$3,648
    Atlantic City$3,603
    Juneau$3,576
    Everett$3,546
    JB McGuire-Dix-Lakehurst$3,543
    Vallejo$3,531
    County Cost Group 880$3,471
    Sitka$3,447
    Willow Grove$3,435
    Annapolis$3,423
    San Bernardino$3,411
    Austin$3,408
    Fort G. G. Meade$3,402
    Madison$3,396
    Hampden County$3,393
    Eglin AFB$3,351
    Ann Arbor$3,339
    JB Elmendorf-Richardson$3,333
    Quantico$3,315
    Ketchikan$3,300
    New London$3,291
    Stockton$3,288
    Edwards AFB$3,255
    County Cost Group 870$3,252
    Fort Detrick$3,243
    Ballston Spa$3,213
    Denver$3,195
    Astoria$3,189
    Cape May$3,177
    Beale AFB$3,162
    Milwaukee$3,162
    Kodiak Island$3,153
    Baltimore$3,138
    Fort Myers Beach$3,114
    JB Lewis-McChord$3,108
    Whidbey Island$3,084
    Tampa$3,078
    Outer Banks$3,075
    County Cost Group 860$3,072
    Port Angeles$3,066
    Fort Pierce$3,060
    Aberdeen Proving Grounds$3,051
    Traverse City$3,051
    Sacramento$3,033
    Bremerton$3,024
    Charlottesville$3,024
    Dover AFB$3,018
    Philadelphia$3,012
    Portland$3,012
    Bridgeport$3,003
    Great Lakes Navtracen$3,000
    Orlando$2,994
    County Cost Group 850$2,985
    Oxford$2,973
    Fresno$2,928
    Patrick SFB$2,919
    Fairbanks$2,907
    Minneapolis$2,901
    County Cost Group 840$2,889
    Knoxville$2,889
    Allentown$2,877
    Rome$2,868
    Abilene$2,856
    Coastal Maine$2,856
    Corvallis$2,853
    Beaufort$2,850
    Dallas$2,841
    Dahlgren$2,835
    Spokane$2,826
    Asheville$2,817
    County Cost Group 830$2,811
    Humboldt County$2,808
    Twenty Nine Palms MCB$2,796
    Reno$2,790
    Fort Collins$2,787
    Syracuse$2,787
    Nashville$2,772
    Detroit$2,763
    Buffalo$2,757
    Helena$2,757
    Patuxent River$2,754
    Richmond$2,751
    St. Louis$2,751
    Eugene$2,748
    Atlanta$2,742
    Rochester$2,739
    Savannah$2,736
    Barstow$2,730
    Salt Lake City$2,718
    County Cost Group 820$2,715
    Charleston$2,712
    Panama City$2,691
    Houston$2,688
    Salem$2,688
    Norfolk$2,685
    Yakima$2,682
    Gainesville$2,676
    Coos Bay$2,670
    College Station$2,667
    Elizabeth City$2,655
    Pittsburgh$2,640
    El Centro$2,634
    Volusia County$2,622
    Wilmington$2,619
    County Cost Group 810$2,607
    Cincinnati$2,595
    Fort Stewart$2,586
    Omaha$2,586
    Fort Carson$2,583
    Birmingham$2,562
    State College$2,562
    Columbus$2,556
    Tallahassee$2,550
    Carlisle Barracks$2,547
    Dahlonega$2,547
    Grand Haven$2,547
    New Orleans$2,541
    Chattanooga$2,511
    Myrtle Beach$2,511
    Provo$2,511
    Durham$2,508
    Battle Creek$2,505
    Fargo$2,499
    County Cost Group 800$2,493
    Bangor$2,487
    Phoenix$2,487
    Jackson$2,481
    Fort Campbell$2,472
    Charlotte$2,469
    Hampton$2,466
    Eastern Panhandle$2,463
    Corpus Christi$2,457
    Fort Worth$2,457
    Rapid City$2,457
    Cleveland$2,454
    Bloomington$2,439
    Lemoore NAS$2,439
    Fort Drum$2,436
    Grand Rapids$2,436
    Ocala$2,433
    Cheyenne$2,427
    County Cost Group 790$2,418
    Des Moines$2,418
    Fort Knox$2,403
    Kings Bay$2,400
    Eastern Shore$2,397
    Morehead$2,397
    Albuquerque$2,391
    Louisville$2,385
    Raleigh$2,385
    Auburn$2,379
    Fort Leavenworth$2,376
    Nellis AFB$2,370
    Duluth$2,367
    Boise$2,364
    Marquette$2,361
    Waco$2,361
    Bismarck$2,358
    Jacksonville$2,355
    Memphis$2,349
    Ogden$2,349
    Fayetteville$2,337
    County Cost Group 780$2,331
    Johnson City$2,331
    Mountain Home AFB$2,316
    Fort Hood$2,313
    Wichita Fls$2,310
    Kansas City$2,301
    Indianapolis$2,298
    Rock Island$2,292
    Fallon NAS$2,286
    Roanoke$2,286
    Lincoln$2,268
    Pensacola$2,268
    County Cost Group 770$2,265
    Shreveport$2,250
    Greensboro$2,247
    Fort Gordon$2,241
    Malmstrom SFB$2,241
    Fort Rucker$2,232
    Fort Huachuca$2,229
    Baton Rouge$2,226
    Columbia$2,223
    Whiteman AFB$2,223
    Huntsville$2,214
    Seymour Johnson AFB$2,208
    Fort Wayne$2,199
    Fort Bliss$2,196
    Greenville$2,196
    Lexington$2,196
    Toledo$2,196
    Mobile$2,193
    Scott AFB$2,193
    County Cost Group 760$2,190
    Davis-Monthan AFB$2,190
    Grand Forks$2,184
    Robins AFB$2,178
    Goodfellow AFB$2,172
    Columbus AFB$2,169
    Fort Bragg$2,166
    Minot AFB$2,163
    Brownsville$2,148
    County Cost Group 750$2,139
    China Lake$2,130
    San Antonio (JBSA)$2,124
    Lexington$2,121
    Champaign$2,118
    Lansing$2,118
    Frankfort$2,115
    Sioux Falls$2,100
    Laughlin AFB$2,097
    Tulsa$2,097
    Columbia$2,091
    County Cost Group 740$2,085
    Wright-Patterson AFB$2,082
    Camp Lejeune$2,073
    White Sands MR$2,070
    Wilkes-Barre$2,070
    County Cost Group 730$2,049
    Fort Benning$2,049
    Topeka$2,049
    Sumter$2,043
    Yuma$2,034
    Peoria$2,028
    County Cost Group 720$2,025
    Lafayette$2,025
    Morgantown$2,022
    Paducah$2,019
    Gulfport$2,016
    Fort Leonard Wood$2,010
    County Cost Group 710$2,004
    Moody AFB$1,995
    Springfield$1,989
    Springfield$1,989
    Terre Haute$1,989
    St Mary And Terrebonne$1,986
    County Cost Group 700$1,983
    Akron$1,971
    Little Rock$1,971
    Lubbock$1,971
    County Cost Group 690$1,968
    Oklahoma City$1,965
    County Cost Group 680$1,956
    Lake Charles$1,956
    Beaumont$1,953
    Sault Ste Marie$1,953
    County Cost Group 670$1,944
    Fort Chaffee$1,944
    Fort Riley$1,941
    Alexandria$1,935
    County Cost Group 660$1,932
    Fort Polk$1,929
    Meridian$1,929
    County Cost Group 650$1,923
    Wichita$1,923
    Montgomery$1,920
    Sparta$1,917
    County Cost Group 640$1,914
    County Cost Group 630$1,905
    Huntington$1,905
    Holloman AFB$1,902
    County Cost Group 620$1,896
    County Cost Group 610$1,890
    Albany$1,884
    County Cost Group 600$1,881
    County Cost Group 590$1,869
    Cannon AFB$1,857
    County Cost Group 580$1,857
    Erie$1,857
    Charleston$1,851
    Hattiesburg$1,845
    County Cost Group 570$1,842
    County Cost Group 560$1,833
    Saginaw$1,833
    County Cost Group 550$1,824
    Altus AFB$1,818
    County Cost Group 540$1,815
    County Cost Group 530$1,806
    County Cost Group 520$1,803
    County Cost Group 510$1,797
    Vance AFB$1,797
    Stevens Point$1,743
    Fort Sill$1,740
    Youngstown$1,740
    Monroe$1,719
    Anniston$1,671

    Fargo is #175 of 338. The spread between the dearest and cheapest station at this grade is $4,893 a month — $58,716 a year, untaxed.

    Every pay grade at Fargo0 – $2,946 / month
    E-1$1,521
    E-2$1,521
    E-3$1,521
    E-4$1,521
    E-5$1,707
    E-6$2,337
    E-7$2,400
    E-8$2,466
    E-9$2,574
    W-1$2,358
    W-2$2,427
    W-3$2,514
    W-4$2,598
    W-5$2,706
    O-1E$2,409
    O-2E$2,499
    O-3E$2,613
    O-1$1,785
    O-2$2,328
    O-3$2,511
    O-4$2,739
    O-5$2,904
    O-6$2,925
    O-7$2,946

    Promoting to O-3E here adds $114 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 Westchester County at O-2E is worth $4,065 a month — about 36 promotions worth of housing allowance, at $114 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. $2,499 a month of BAH takes more than $2,499 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.