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-2 without dependents at Florida Keys draws $3,921 per month in 2026

    Permalinkbahratedesk.com/florida-keys-fl/o-2/without/ExcelCSVDownloads cover this station.
    Florida Keys, FL
    O-2 · without dependents
    $3,921/ month
    $47,052 / year
    At O-2, this is #11 of 338 stations loaded · high New York City $5,091 · low Youngstown $1,176
    MHA FL069 · ZIPs 33001 33036 33037 33040 33041 33042 +6 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$5,027 / mo gross
    Other dependency status here$4,053 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Florida Keys — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,813$3,084
    E-2$3,813$3,084
    E-3$3,813$3,084
    E-4$3,813$3,084
    E-5$3,969$3,459
    E-6$4,056$3,672
    E-7$4,350$3,819
    E-8$4,677$3,993
    E-9$5,097$4,005
    Warrant officer
    W-1$4,074$3,771
    W-2$4,485$3,990
    W-3$4,884$4,011
    W-4$5,178$4,119
    W-5$5,529$4,425
    Officer — prior enlisted
    O-1E$4,413$3,966
    O-2E$4,827$4,002
    O-3E$5,232$4,044
    Officer
    O-1$3,987$3,657
    O-2$4,053$3,921
    O-3$4,872$4,017
    O-4$5,655$4,374
    O-5$6,213$4,659
    O-6$6,267$4,863
    O-7$6,321$4,953
    PCS compareFlorida Keys · O-2 · $3,921/mo
    Aberdeen Proving Grounds$2,412/mo · $28,944/yr
    ▼ CUT−$1,509−$18,108/yr · like −$23,215 of salary

    What this rate means

    O-2 without dependents, nearest stations0 – $5,091 / month
    New York City$5,091
    Long Island$4,326
    Nantucket$4,305
    Maui County$4,161
    Hanscom AFB$4,122
    Florida Keys$3,921
    Martha's Vineyard$3,879
    San Diego$3,873
    Camp Pendleton$3,855
    Cape Cod-Plymouth$3,852
    Youngstown$1,176

    Florida Keys is #11 of 338. The spread between the dearest and cheapest station at this grade is $3,915 a month — $46,980 a year, untaxed.

    Every pay grade at Florida Keys0 – $4,953 / month
    E-1$3,084
    E-2$3,084
    E-3$3,084
    E-4$3,084
    E-5$3,459
    E-6$3,672
    E-7$3,819
    E-8$3,993
    E-9$4,005
    W-1$3,771
    W-2$3,990
    W-3$4,011
    W-4$4,119
    W-5$4,425
    O-1E$3,966
    O-2E$4,002
    O-3E$4,044
    O-1$3,657
    O-2$3,921
    O-3$4,017
    O-4$4,374
    O-5$4,659
    O-6$4,863
    O-7$4,953

    Promoting to O-3 here adds $96 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 Florida Keys to New York City at O-2 is worth $1,170 a month — about 12 promotions worth of housing allowance, at $96 per grade here.

    02

    Dependency status is worth 3% 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. $3,921 a month of BAH takes more than $3,921 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.