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-1 with dependents at Fort Campbell draws $1,857 per month in 2026

    Permalinkbahratedesk.com/fort-campbell/o-1/with/ExcelCSVDownloads cover this station.
    Fort Campbell, KY
    O-1 · with dependents
    $1,857/ month
    $22,284 / year
    At O-1, this is #10 of 17 stations loaded · high San Diego $4,032 · low Fort Riley $1,377
    MHA KY106 · ZIPs 42223 37042 37040
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$2,381 / mo gross
    Other dependency status here$1,668 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Fort Campbell — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,743$1,470
    E-2$1,743$1,470
    E-3$1,743$1,470
    E-4$1,743$1,470
    E-5$1,815$1,593
    E-6$2,100$1,671
    E-7$2,244$1,743
    E-8$2,400$1,878
    E-9$2,580$1,956
    Warrant officer
    W-1$2,121$1,731
    W-2$2,307$1,875
    W-3$2,499$1,968
    W-4$2,610$2,130
    W-5$2,751$2,277
    Officer — prior enlisted
    O-1E$2,271$1,812
    O-2E$2,472$1,938
    O-3E$2,634$2,091
    Officer
    O-1$1,857$1,668
    O-2$2,097$1,794
    O-3$2,496$1,995
    O-4$2,793$2,250
    O-5$3,006$2,334
    O-6$3,030$2,478
    O-7$3,048$2,520
    PCS compareFort Campbell · O-1 · $1,857/mo
    Fort Bragg$1,842/mo · $22,104/yr
    ▼ CUT−$15−$180/yr · like −$231 of salary

    What this rate means

    O-1 with dependents, every station0 – $4,032 / month
    San Diego$4,032
    Camp Pendleton$4,023
    Honolulu County$3,702
    JB Elmendorf-Richardson$2,886
    JB Lewis-McChord$2,607
    Norfolk$2,454
    Fort Carson$2,376
    Fort Stewart$2,334
    San Antonio (JBSA)$1,905
    Fort Campbell$1,857
    Fort Bliss$1,857
    Fort Bragg$1,842
    Fort Benning$1,755
    Fort Hood$1,731
    Fort Drum$1,701
    Camp Lejeune$1,635
    Fort Riley$1,377

    Fort Campbell is #10 of 17. The spread between the dearest and cheapest station at this grade is $2,655 a month — $31,860 a year, untaxed.

    Every pay grade at Fort Campbell0 – $3,048 / month
    E-1$1,743
    E-2$1,743
    E-3$1,743
    E-4$1,743
    E-5$1,815
    E-6$2,100
    E-7$2,244
    E-8$2,400
    E-9$2,580
    W-1$2,121
    W-2$2,307
    W-3$2,499
    W-4$2,610
    W-5$2,751
    O-1E$2,271
    O-2E$2,472
    O-3E$2,634
    O-1$1,857
    O-2$2,097
    O-3$2,496
    O-4$2,793
    O-5$3,006
    O-6$3,030
    O-7$3,048

    Promoting to O-2 here adds $240 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 Fort Campbell to San Diego at O-1 is worth $2,175 a month — about 9 promotions worth of housing allowance, at $240 per grade here.

    02

    Dependency status is worth 11% 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. $1,857 a month of BAH takes more than $1,857 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.