What is O-2 BAH at Fort Benning in 2026?

$1,974 per month with dependents ($23,688 per year), effective 01 JAN 2026. Without dependents it is $1,692 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-2 BAH at Fort Benning 2026 — $1,974 with dependents, $1,692 without

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Fort Benning, GA

O-2 · with dependents

$1,974/ month

$23,688 / year

At O-2, this is #248 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332

MHA GA075 · ZIPs 31804 31805 31807 31808 31811 31814 +34 more

Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt

Untaxed — matching it with taxable pay takes$2,531 / mo gross

Without dependents here$1,692 / mo

In government quarters, no dependents$50.10 / mo partial

MHA

Renamed back from Fort Moore for 2026. Orders from 2023–25 may still say Moore.

Fort Benning — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,635	$1,362
E-2	$1,635	$1,362
E-3	$1,635	$1,362
E-4	$1,635	$1,362
E-5	$1,716	$1,482
E-6	$1,977	$1,557
E-7	$2,004	$1,635
E-8	$2,037	$1,773
E-9	$2,121	$1,842
Warrant officer
W-1	$1,995	$1,623
W-2	$2,016	$1,770
W-3	$2,061	$1,854
W-4	$2,148	$1,977
W-5	$2,262	$2,010
Officer — prior enlisted
O-1E	$2,007	$1,713
O-2E	$2,049	$1,827
O-3E	$2,166	$1,968
Officer
O-1	$1,755	$1,554
O-2	$1,974	$1,692
O-3	$2,058	$1,878
O-4	$2,295	$1,998
O-5	$2,469	$2,013
O-6	$2,487	$2,034
O-7	$2,502	$2,067

What this rate means

O-2 with dependents, nearest stations0 – $5,451 / month

San Francisco$5,451

Lexington$1,992

Lansing$1,980

Champaign$1,977

Minot AFB$1,977

Fort Benning$1,974

Bloomington$1,953

Seymour Johnson AFB$1,947

County Cost Group 750$1,944

Sumter$1,944

Youngstown$1,332

Fort Benning is #248 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 a year, untaxed.

Every pay grade at Fort Benning0 – $2,502 / month

E-1$1,635

E-2$1,635

E-3$1,635

E-4$1,635

E-5$1,716

E-6$1,977

E-7$2,004

E-8$2,037

E-9$2,121

W-1$1,995

W-2$2,016

W-3$2,061

W-4$2,148

W-5$2,262

O-1E$2,007

O-2E$2,049

O-3E$2,166

O-1$1,755

O-2$1,974

O-3$2,058

O-4$2,295

O-5$2,469

O-6$2,487

O-7$2,502

Promoting to O-3 here adds $84 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Fort Benning to San Francisco at O-2 is worth $3,477 a month — about 41 promotions worth of housing allowance, at $84 per grade here.

Dependency status is worth 17% 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.

None of it is taxed. $1,974 a month of BAH takes more than $1,974 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-2 at Fort Benning draws $1,974 per month with dependents in 2026, $1,692 without

What this rate means

Things the rate table doesn't tell you