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-5 with dependents at Florida Keys draws $6,213 per month in 2026

    Permalinkbahratedesk.com/florida-keys-fl/o-5/with/ExcelCSVDownloads cover this station.
    Florida Keys, FL
    O-5 · with dependents
    $6,213/ month
    $74,556 / year
    At O-5, this is #8 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA FL069 · ZIPs 33001 33036 33037 33040 33041 33042 +6 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$7,965 / mo gross
    Other dependency status here$4,659 without 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-5 · $6,213/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▼ CUT−$2,583−$30,996/yr · like −$39,738 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Nantucket$6,933
    Boston$6,483
    Maui County$6,378
    Santa Clara County$6,333
    Florida Keys$6,213
    Hanscom AFB$6,087
    Northern New Jersey$5,991
    Kauai County$5,892
    Essex CO$5,853
    Youngstown$1,827

    Florida Keys is #8 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 Florida Keys0 – $6,321 / month
    E-1$3,813
    E-2$3,813
    E-3$3,813
    E-4$3,813
    E-5$3,969
    E-6$4,056
    E-7$4,350
    E-8$4,677
    E-9$5,097
    W-1$4,074
    W-2$4,485
    W-3$4,884
    W-4$5,178
    W-5$5,529
    O-1E$4,413
    O-2E$4,827
    O-3E$5,232
    O-1$3,987
    O-2$4,053
    O-3$4,872
    O-4$5,655
    O-5$6,213
    O-6$6,267
    O-7$6,321

    Promoting to O-6 here adds $54 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 Westchester County at O-5 is worth $1,851 a month — about 34 promotions worth of housing allowance, at $54 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. $6,213 a month of BAH takes more than $6,213 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.