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

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

    Permalinkbahratedesk.com/florida-keys-fl/w-5/without/ExcelCSVDownloads cover this station.
    Florida Keys, FL
    W-5 · without dependents
    $4,425/ month
    $53,100 / year
    At W-5, this is #15 of 338 stations loaded · high Westchester County $5,946 · low Youngstown $1,527
    MHA FL069 · ZIPs 33001 33036 33037 33040 33041 33042 +6 more
    Your grade is calledARMYCW5USMCCWO5NAVYCWO5
    Untaxed — matching it with taxable pay takes$5,673 / mo gross
    Other dependency status here$5,529 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Florida Keys — full sheetTap a row
    PCS compareFlorida Keys · W-5 · $4,425/mo
    Aberdeen Proving Grounds$2,892/mo · $34,704/yr
    ▼ CUT$1,533−$18,396/yr · like −$23,585 of salary

    What this rate means

    W-5 without dependents, nearest stations0 – $5,946 / month
    Westchester County$5,946
    Hanscom AFB$4,608
    Camp Pendleton$4,518
    San Diego$4,455
    Kauai County$4,446
    Florida Keys$4,425
    Staten Island$4,368
    Los Angeles$4,341
    Monterey$4,305
    West Point$4,236
    Youngstown$1,527

    Florida Keys is #15 of 338. The spread between the dearest and cheapest station at this grade is $4,419 a month — $53,028 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

    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. $4,425 a month of BAH takes more than $4,425 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.