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

    W-1 with dependents at Fort Chaffee draws $1,701 per month in 2026

    Permalinkbahratedesk.com/fort-chaffee-fort-smith-ar/w-1/with/ExcelCSVDownloads cover this station.
    Fort Chaffee/Fort Smith, AR
    W-1 · with dependents
    $1,701/ month
    $20,412 / year
    At W-1, this is #314 of 338 stations loaded · high San Francisco $5,472 · low Youngstown $1,350
    MHA AR012 · ZIPs 72901 72902 72903 72904 72905 72906 +41 more
    Your grade is calledARMYWO1USMCWONAVYWO1
    Untaxed — matching it with taxable pay takes$2,181 / mo gross
    Other dependency status here$1,278 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Fort Chaffee — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,173$879
    E-2$1,173$879
    E-3$1,173$879
    E-4$1,173$879
    E-5$1,263$996
    E-6$1,680$1,260
    E-7$1,785$1,338
    E-8$1,893$1,419
    E-9$2,028$1,521
    Warrant officer
    W-1$1,701$1,278
    W-2$1,827$1,371
    W-3$1,965$1,524
    W-4$2,052$1,701
    W-5$2,166$1,809
    Officer — prior enlisted
    O-1E$1,803$1,353
    O-2E$1,944$1,458
    O-3E$2,070$1,674
    Officer
    O-1$1,320$1,077
    O-2$1,677$1,341
    O-3$1,962$1,527
    O-4$2,199$1,785
    O-5$2,370$1,842
    O-6$2,388$1,944
    O-7$2,400$1,974
    PCS compareFort Chaffee · W-1 · $1,701/mo
    Aberdeen Proving Grounds$2,760/mo · $33,120/yr
    ▲ RAISE+$1,059+$12,708/yr · like +$16,292 of salary

    What this rate means

    W-1 with dependents, nearest stations0 – $5,472 / month
    San Francisco$5,472
    County Cost Group 600$1,722
    Laughlin AFB$1,722
    County Cost Group 590$1,710
    Wichita$1,710
    Fort Chaffee$1,701
    Alexandria$1,698
    County Cost Group 580$1,698
    Erie$1,695
    County Cost Group 570$1,686
    Youngstown$1,350

    Fort Chaffee is #314 of 338. The spread between the dearest and cheapest station at this grade is $4,122 a month — $49,464 a year, untaxed.

    Every pay grade at Fort Chaffee0 – $2,400 / month
    E-1$1,173
    E-2$1,173
    E-3$1,173
    E-4$1,173
    E-5$1,263
    E-6$1,680
    E-7$1,785
    E-8$1,893
    E-9$2,028
    W-1$1,701
    W-2$1,827
    W-3$1,965
    W-4$2,052
    W-5$2,166
    O-1E$1,803
    O-2E$1,944
    O-3E$2,070
    O-1$1,320
    O-2$1,677
    O-3$1,962
    O-4$2,199
    O-5$2,370
    O-6$2,388
    O-7$2,400

    Promoting to W-2 here adds $126 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 Chaffee to San Francisco at W-1 is worth $3,771 a month — about 30 promotions worth of housing allowance, at $126 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. $1,701 a month of BAH takes more than $1,701 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.