What is O-1 BAH at Fort Myers Beach in 2026?

$2,730 per month with dependents ($32,760 per year), effective 01 JAN 2026. without dependents it is $2,406 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-1 BAH at Fort Myers Beach 2026 — $2,730/mo with dependents

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

Fort Myers Beach, FL

O-1 · with dependents

$2,730/ month

$32,760 / year

At O-1, this is #75 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218

MHA FL424 · ZIPs 33901 33902 33903 33904 33905 33906 +41 more

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$3,500 / mo gross

Other dependency status here$2,406 without dependents

In government quarters, no dependents$50.10 / mo partial

Fort Myers Beach — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,553	$2,094
E-2	$2,553	$2,094
E-3	$2,553	$2,094
E-4	$2,553	$2,094
E-5	$2,694	$2,295
E-6	$2,919	$2,421
E-7	$2,994	$2,556
E-8	$3,078	$2,745
E-9	$3,192	$2,802
Warrant officer
W-1	$2,937	$2,514
W-2	$3,027	$2,742
W-3	$3,132	$2,814
W-4	$3,213	$2,931
W-5	$3,315	$3,012
Officer — prior enlisted
O-1E	$3,006	$2,691
O-2E	$3,114	$2,790
O-3E	$3,228	$2,910
Officer
O-1	$2,730	$2,406
O-2	$2,916	$2,652
O-3	$3,129	$2,835
O-4	$3,345	$2,991
O-5	$3,504	$3,036
O-6	$3,531	$3,111
O-7	$3,555	$3,165

What this rate means

O-1 with dependents, nearest stations0 – $5,172 / month

San Francisco$5,172

Tampa$2,757

Atlantic City$2,736

Fort Detrick$2,733

Philadelphia$2,733

Fort Myers Beach$2,730

Edwards AFB$2,724

Fort Pierce$2,715

County Cost Group 870$2,700

Orlando$2,700

Youngstown$1,218

Fort Myers Beach is #75 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 a year, untaxed.

Every pay grade at Fort Myers Beach0 – $3,555 / month

E-1$2,553

E-2$2,553

E-3$2,553

E-4$2,553

E-5$2,694

E-6$2,919

E-7$2,994

E-8$3,078

E-9$3,192

W-1$2,937

W-2$3,027

W-3$3,132

W-4$3,213

W-5$3,315

O-1E$3,006

O-2E$3,114

O-3E$3,228

O-1$2,730

O-2$2,916

O-3$3,129

O-4$3,345

O-5$3,504

O-6$3,531

O-7$3,555

Promoting to O-2 here adds $186 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 Myers Beach to San Francisco at O-1 is worth $2,442 a month — about 13 promotions worth of housing allowance, at $186 per grade here.

Dependency status is worth 13% 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. $2,730 a month of BAH takes more than $2,730 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-1 with dependents at Fort Myers Beach draws $2,730 per month in 2026

What this rate means

Things the rate table doesn't tell you