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
    With $2,787Without $2,379

    O-2E at Fort Collins draws $2,787 per month with dependents in 2026, $2,379 without

    Permalinkbahratedesk.com/fort-collins-co/o-2e/ExcelCSVDownloads cover this station.
    Fort Collins, CO
    O-2E · with dependents
    $2,787/ month
    $33,444 / year
    At O-2E, this is #127 of 338 stations loaded · high Westchester County $6,564 · low Anniston $1,671
    MHA CO047 · ZIPs 80511 80512 80513 80514 80515 80516 +56 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$3,573 / mo gross
    Without dependents here$2,379 / mo
    In government quarters, no dependents$50.10 / mo partial
    Fort Collins — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,061$1,764
    E-2$2,061$1,764
    E-3$2,061$1,764
    E-4$2,061$1,764
    E-5$2,268$1,812
    E-6$2,532$1,896
    E-7$2,631$2,067
    E-8$2,739$2,325
    E-9$2,865$2,397
    Warrant officer
    W-1$2,550$1,998
    W-2$2,673$2,322
    W-3$2,808$2,409
    W-4$2,886$2,550
    W-5$2,985$2,655
    Officer — prior enlisted
    O-1E$2,649$2,265
    O-2E$2,787$2,379
    O-3E$2,901$2,523
    Officer
    O-1$2,307$1,851
    O-2$2,529$2,202
    O-3$2,805$2,433
    O-4$3,012$2,631
    O-5$3,165$2,688
    O-6$3,189$2,787
    O-7$3,210$2,835
    PCS compareFort Collins · O-2E · $2,787/mo
    Aberdeen Proving Grounds$3,051/mo · $36,612/yr
    ▲ RAISE+$264+$3,168/yr · like +$4,062 of salary

    What this rate means

    O-2E with dependents, nearest stations0 – $6,564 / month
    Westchester County$6,564
    County Cost Group 830$2,811
    Humboldt County$2,808
    Twenty Nine Palms MCB$2,796
    Reno$2,790
    Fort Collins$2,787
    Syracuse$2,787
    Nashville$2,772
    Detroit$2,763
    Buffalo$2,757
    Anniston$1,671

    Fort Collins is #127 of 338. The spread between the dearest and cheapest station at this grade is $4,893 a month — $58,716 a year, untaxed.

    Every pay grade at Fort Collins0 – $3,210 / month
    E-1$2,061
    E-2$2,061
    E-3$2,061
    E-4$2,061
    E-5$2,268
    E-6$2,532
    E-7$2,631
    E-8$2,739
    E-9$2,865
    W-1$2,550
    W-2$2,673
    W-3$2,808
    W-4$2,886
    W-5$2,985
    O-1E$2,649
    O-2E$2,787
    O-3E$2,901
    O-1$2,307
    O-2$2,529
    O-3$2,805
    O-4$3,012
    O-5$3,165
    O-6$3,189
    O-7$3,210

    Promoting to O-3E here adds $114 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 Collins to Westchester County at O-2E is worth $3,777 a month — about 33 promotions worth of housing allowance, at $114 per grade here.

    02

    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.

    03

    None of it is taxed. $2,787 a month of BAH takes more than $2,787 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.