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
    Dependents
    With $5,529Without $4,425

    W-5 at Florida Keys draws $5,529 per month with dependents in 2026, $4,425 without

    Permalinkbahratedesk.com/florida-keys-fl/w-5/ExcelCSVDownloads cover this station.
    Florida Keys, FL
    W-5 · with dependents
    $5,529/ month
    $66,348 / year
    At W-5, this is #8 of 338 stations loaded · high Westchester County $7,338 · low Youngstown $1,806
    MHA FL069 · ZIPs 33001 33036 33037 33040 33041 33042 +6 more
    Your grade is calledARMYCW5USMCCWO5NAVYCWO5
    Untaxed — matching it with taxable pay takes$7,088 / mo gross
    Without dependents here$4,425 / mo
    In government quarters, no dependents$50.10 / mo partial
    Florida Keys — full sheetTap a row
    PCS compareFlorida Keys · W-5 · $5,529/mo
    Aberdeen Proving Grounds$3,348/mo · $40,176/yr
    ▼ CUT$2,181−$26,172/yr · like −$33,554 of salary

    What this rate means

    W-5 with dependents, nearest stations0 – $7,338 / month
    Westchester County$7,338
    Nantucket$6,165
    Maui County$5,973
    Boston$5,805
    Santa Clara County$5,751
    Florida Keys$5,529
    Northern New Jersey$5,529
    Long Island$5,436
    Hanscom AFB$5,409
    Martha's Vineyard$5,334
    Youngstown$1,806

    Florida Keys is #8 of 338. The spread between the dearest and cheapest station at this grade is $5,532 a month — $66,384 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

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

    01

    Dependency status is worth 25% 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. $5,529 a month of BAH takes more than $5,529 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.