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-2 with dependents at Fort Myers Beach draws $2,916 per month in 2026

    Permalinkbahratedesk.com/fort-myers-beach-fl/o-2/with/ExcelCSVDownloads cover this station.
    Fort Myers Beach, FL
    O-2 · with dependents
    $2,916/ month
    $34,992 / year
    At O-2, this is #79 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332
    MHA FL424 · ZIPs 33901 33902 33903 33904 33905 33906 +41 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$3,738 / mo gross
    Other dependency status here$2,652 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Fort Myers Beach — full sheetTap a row
    GradeWith 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
    PCS compareFort Myers Beach · O-2 · $2,916/mo
    Aberdeen Proving Grounds$2,739/mo · $32,868/yr
    ▼ CUT−$177−$2,124/yr · like −$2,723 of salary

    What this rate means

    O-2 with dependents, nearest stations0 – $5,451 / month
    San Francisco$5,451
    Sacramento$2,976
    Orlando$2,958
    Outer Banks$2,943
    Stockton$2,931
    Fort Myers Beach$2,916
    JB Lewis-McChord$2,916
    Baltimore$2,901
    JB Elmendorf-Richardson$2,889
    Madison$2,886
    Youngstown$1,332

    Fort Myers Beach is #79 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 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-3 here adds $213 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 Myers Beach to San Francisco at O-2 is worth $2,535 a month — about 12 promotions worth of housing allowance, at $213 per grade here.

    02

    Dependency status is worth 10% 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. $2,916 a month of BAH takes more than $2,916 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.