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 $1,890Without $1,638

    O-2 at Fort Drum draws $1,890 per month with dependents in 2026, $1,638 without

    Permalinkbahratedesk.com/fort-drum/o-2/ExcelCSVDownloads cover this station.
    Fort Drum/Watertown, NY
    O-2 · with dependents
    $1,890/ month
    $22,680 / year
    At O-2, this is #265 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332
    MHA NY225 · ZIPs 13305 13312 13325 13327 13343 13345 +52 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$2,423 / mo gross
    Without dependents here$1,638 / mo
    In government quarters, no dependents$50.10 / mo partial
    Fort Drum — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,569$1,356
    E-2$1,569$1,356
    E-3$1,569$1,356
    E-4$1,569$1,356
    E-5$1,665$1,422
    E-6$1,893$1,476
    E-7$2,103$1,578
    E-8$2,331$1,749
    E-9$2,526$1,896
    Warrant officer
    W-1$1,914$1,548
    W-2$2,196$1,713
    W-3$2,478$1,899
    W-4$2,544$1,938
    W-5$2,631$2,154
    Officer — prior enlisted
    O-1E$2,145$1,662
    O-2E$2,436$1,827
    O-3E$2,559$1,920
    Officer
    O-1$1,701$1,470
    O-2$1,890$1,638
    O-3$2,469$1,902
    O-4$2,655$2,115
    O-5$2,784$2,244
    O-6$2,805$2,457
    O-7$2,823$2,496
    PCS compareFort Drum · O-2 · $1,890/mo
    Aberdeen Proving Grounds$2,739/mo · $32,868/yr
    ▲ RAISE+$849+$10,188/yr · like +$13,062 of salary

    What this rate means

    O-2 with dependents, nearest stations0 – $5,451 / month
    San Francisco$5,451
    Beaumont$1,914
    Moody AFB$1,914
    Morgantown$1,914
    County Cost Group 740$1,893
    Fort Drum$1,890
    Wilkes-Barre$1,884
    Robins AFB$1,875
    Paducah$1,872
    Holloman AFB$1,866
    Youngstown$1,332

    Fort Drum is #265 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 Drum0 – $2,823 / month
    E-1$1,569
    E-2$1,569
    E-3$1,569
    E-4$1,569
    E-5$1,665
    E-6$1,893
    E-7$2,103
    E-8$2,331
    E-9$2,526
    W-1$1,914
    W-2$2,196
    W-3$2,478
    W-4$2,544
    W-5$2,631
    O-1E$2,145
    O-2E$2,436
    O-3E$2,559
    O-1$1,701
    O-2$1,890
    O-3$2,469
    O-4$2,655
    O-5$2,784
    O-6$2,805
    O-7$2,823

    Promoting to O-3 here adds $579 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 Drum to San Francisco at O-2 is worth $3,561 a month — about 6 promotions worth of housing allowance, at $579 per grade here.

    02

    Dependency status is worth 15% 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. $1,890 a month of BAH takes more than $1,890 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.