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-7 with dependents at Fargo draws $2,946 per month in 2026

    Permalinkbahratedesk.com/fargo-nd/o-7/with/ExcelCSVDownloads cover this station.
    Fargo, ND
    O-7 · with dependents
    $2,946/ month
    $35,352 / year
    At O-7, this is #191 of 338 stations loaded · high Westchester County $8,208 · low Youngstown $1,845
    MHA ND189 · ZIPs 56514 56525 56529 56536 56546 56547 +42 more
    Your grade is calledARMYBGUSMCBGenNAVYRDMLUSAFBrig Gen
    Untaxed — matching it with taxable pay takes$3,777 / mo gross
    Other dependency status here$2,532 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-7 · $2,946/mo
    Aberdeen Proving Grounds$3,687/mo · $44,244/yr
    ▲ RAISE+$741+$8,892/yr · like +$11,400 of salary

    What this rate means

    O-7 with dependents, every station0 – $8,208 / month
    Westchester County$8,208
    New York City$7,254
    San Francisco$7,215
    Nantucket$7,053
    Boston$6,594
    Maui County$6,489
    Santa Clara County$6,441
    Florida Keys$6,321
    Hanscom AFB$6,192
    Northern New Jersey$6,093
    Kauai County$5,991
    Essex CO$5,952
    Long Island$5,922
    Miami$5,862
    Martha's Vineyard$5,742
    Monterey$5,658
    San Diego$5,586
    Los Angeles$5,526
    San Luis Obispo$5,520
    Camp Pendleton$5,484
    Staten Island$5,484
    Portsmouth$5,445
    Trenton$5,424
    West Point$5,340
    Portland$5,322
    Cape Cod-Plymouth$5,283
    Oakland$5,220
    Fort Monmouth$5,067
    Fitchburg$5,049
    Honolulu County$5,040
    Perth Amboy$5,007
    Marin$4,944
    Burlington$4,935
    Seattle$4,875
    Ventura$4,866
    West Palm Beach$4,860
    Manchester$4,782
    Washington$4,770
    Worcester$4,761
    Newport$4,743
    Warrenton$4,674
    New Haven$4,665
    Providence$4,608
    County Cost Group 890$4,605
    Hartford$4,467
    Vandenberg SFB$4,425
    Atlantic City$4,365
    Indian Head Navordsta$4,344
    Hawaii County$4,332
    Boulder$4,287
    County Cost Group 880$4,203
    Ann Arbor$4,191
    JB McGuire-Dix-Lakehurst$4,188
    Annapolis$4,164
    JB Elmendorf-Richardson$4,161
    Austin$4,161
    Chicago$4,152
    Juneau$4,140
    Quantico$4,128
    Stockton$4,110
    Santa Fe$4,086
    Fort G. G. Meade$4,077
    Ketchikan$4,065
    Riverside$4,065
    Madison$4,056
    Hampden County$4,038
    Cape May$4,032
    Everett$3,999
    Willow Grove$3,999
    Vallejo$3,987
    New London$3,966
    Brunswick$3,957
    County Cost Group 870$3,945
    Edwards AFB$3,900
    Kodiak Island$3,891
    Milwaukee$3,888
    Fort Detrick$3,864
    San Bernardino$3,855
    Ballston Spa$3,834
    Corvallis$3,828
    Sitka$3,825
    Philadelphia$3,816
    Asheville$3,780
    Baltimore$3,768
    Portland$3,759
    Outer Banks$3,753
    Astoria$3,729
    County Cost Group 860$3,729
    Oxford$3,720
    Fort Pierce$3,702
    Great Lakes Navtracen$3,702
    Aberdeen Proving Grounds$3,687
    Eglin AFB$3,669
    Denver$3,642
    County Cost Group 850$3,624
    Detroit$3,609
    Charlottesville$3,594
    Dahlgren$3,588
    Bridgeport$3,579
    Sacramento$3,576
    College Station$3,567
    Fort Myers Beach$3,555
    Beale AFB$3,546
    Knoxville$3,543
    JB Lewis-McChord$3,525
    Allentown$3,516
    County Cost Group 840$3,510
    Beaufort$3,489
    Port Angeles$3,489
    Fresno$3,465
    Bremerton$3,462
    Pittsburgh$3,459
    Fairbanks$3,456
    Whidbey Island$3,453
    Tampa$3,441
    Traverse City$3,441
    Minneapolis$3,435
    County Cost Group 830$3,417
    Reno$3,408
    Eugene$3,375
    Buffalo$3,372
    Norfolk$3,366
    Wilmington$3,351
    Patuxent River$3,348
    Twenty Nine Palms MCB$3,342
    Houston$3,336
    Humboldt County$3,336
    Gainesville$3,324
    Patrick SFB$3,315
    Elizabeth City$3,312
    St. Louis$3,309
    County Cost Group 820$3,303
    Orlando$3,303
    Savannah$3,297
    Rome$3,291
    Yakima$3,291
    Abilene$3,282
    Durham$3,279
    Helena$3,279
    Omaha$3,279
    Richmond$3,276
    Salem$3,276
    Bloomington$3,273
    Rochester$3,270
    Cleveland$3,267
    Nashville$3,264
    Chattanooga$3,249
    Syracuse$3,246
    Spokane$3,243
    Dallas$3,237
    Coastal Maine$3,228
    State College$3,228
    Fort Collins$3,210
    Barstow$3,189
    County Cost Group 810$3,174
    Fort Stewart$3,174
    Coos Bay$3,162
    Hampton$3,144
    Tallahassee$3,144
    Salt Lake City$3,141
    Waco$3,138
    Jackson$3,129
    Dover AFB$3,123
    Carlisle Barracks$3,114
    Cincinnati$3,105
    New Orleans$3,105
    Panama City$3,105
    Charleston$3,081
    Eastern Panhandle$3,072
    Fort Campbell$3,048
    County Cost Group 800$3,039
    Myrtle Beach$3,027
    El Centro$3,018
    Battle Creek$3,015
    Louisville$3,015
    Volusia County$3,012
    Atlanta$3,006
    Corpus Christi$3,006
    Wichita Fls$2,997
    Columbus$2,991
    Grand Rapids$2,988
    Fort Knox$2,985
    Auburn$2,976
    Scott AFB$2,970
    Ocala$2,961
    Cheyenne$2,955
    Fort Carson$2,955
    Grand Haven$2,955
    Kings Bay$2,955
    County Cost Group 790$2,949
    Fargo$2,946
    Des Moines$2,943
    Mountain Home AFB$2,943
    Provo$2,943
    Morehead$2,940
    Johnson City$2,937
    Dahlonega$2,934
    Albuquerque$2,910
    Rock Island$2,910
    Kansas City$2,889
    Rapid City$2,889
    Fayetteville$2,886
    Lexington$2,880
    Lemoore NAS$2,874
    Birmingham$2,865
    Champaign$2,859
    Eastern Shore$2,859
    Lansing$2,859
    Laughlin AFB$2,859
    Bangor$2,853
    Marquette$2,850
    Toledo$2,850
    County Cost Group 780$2,847
    Duluth$2,847
    Fort Worth$2,832
    Fort Gordon$2,826
    Roanoke$2,826
    Fort Drum$2,823
    Shreveport$2,817
    Nellis AFB$2,814
    Phoenix$2,814
    Tulsa$2,805
    Boise$2,802
    Baton Rouge$2,787
    Fort Hood$2,787
    Fort Rucker$2,778
    Jacksonville$2,775
    Raleigh$2,775
    County Cost Group 770$2,769
    Mobile$2,766
    Fort Wayne$2,763
    Columbia$2,760
    Malmstrom SFB$2,760
    Brownsville$2,757
    Akron$2,751
    Ogden$2,751
    Whiteman AFB$2,751
    Robins AFB$2,745
    Wright-Patterson AFB$2,742
    Paducah$2,730
    Grand Forks$2,718
    Wilkes-Barre$2,712
    Lincoln$2,703
    China Lake$2,694
    Terre Haute$2,691
    Greenville$2,685
    Seymour Johnson AFB$2,685
    Springfield$2,685
    County Cost Group 760$2,679
    Memphis$2,679
    Lexington$2,670
    Greensboro$2,664
    Fallon NAS$2,661
    Gulfport$2,658
    Topeka$2,655
    Fort Bragg$2,646
    Morgantown$2,646
    Pensacola$2,646
    Huntsville$2,640
    Lubbock$2,637
    Little Rock$2,634
    Sault Ste Marie$2,628
    Fort Leavenworth$2,625
    Sumter$2,625
    Moody AFB$2,622
    Columbia$2,619
    County Cost Group 750$2,616
    Charlotte$2,610
    Montgomery$2,598
    St Mary And Terrebonne$2,598
    Indianapolis$2,592
    Beaumont$2,589
    Camp Lejeune$2,586
    Davis-Monthan AFB$2,583
    Albany$2,568
    County Cost Group 740$2,553
    Sioux Falls$2,544
    Minot AFB$2,541
    Alexandria$2,529
    Columbus AFB$2,526
    Lafayette$2,517
    County Cost Group 730$2,511
    Fort Huachuca$2,511
    Fort Benning$2,502
    Lake Charles$2,502
    Charleston$2,496
    Fort Bliss$2,496
    Peoria$2,493
    San Antonio (JBSA)$2,490
    Yuma$2,487
    County Cost Group 720$2,481
    Wichita$2,478
    County Cost Group 710$2,454
    Goodfellow AFB$2,448
    Vance AFB$2,445
    Springfield$2,442
    County Cost Group 700$2,433
    County Cost Group 690$2,412
    Meridian$2,412
    Bismarck$2,409
    Holloman AFB$2,406
    Fort Chaffee$2,400
    Hattiesburg$2,400
    County Cost Group 680$2,397
    White Sands MR$2,388
    County Cost Group 670$2,385
    Altus AFB$2,373
    County Cost Group 660$2,370
    Oklahoma City$2,367
    County Cost Group 650$2,358
    Fort Riley$2,352
    County Cost Group 640$2,349
    County Cost Group 630$2,340
    County Cost Group 620$2,328
    County Cost Group 610$2,319
    County Cost Group 600$2,310
    Fort Sill$2,298
    County Cost Group 590$2,295
    Fort Polk$2,289
    County Cost Group 580$2,280
    County Cost Group 570$2,265
    County Cost Group 560$2,253
    Erie$2,253
    Fort Leonard Wood$2,250
    Sparta$2,250
    County Cost Group 550$2,241
    County Cost Group 540$2,232
    Frankfort$2,226
    County Cost Group 530$2,223
    County Cost Group 520$2,217
    Huntington$2,217
    County Cost Group 510$2,211
    Anniston$2,142
    Monroe$2,064
    Saginaw$2,031
    Stevens Point$2,022
    Cannon AFB$1,968
    Youngstown$1,845

    Fargo is #191 of 338. The spread between the dearest and cheapest station at this grade is $6,363 a month — $76,356 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

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    Dependency status is worth 16% 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. $2,946 a month of BAH takes more than $2,946 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.