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-5 with dependents at Fort Myers Beach draws $3,504 per month in 2026

    Permalinkbahratedesk.com/fort-myers-beach-fl/o-5/with/ExcelCSVDownloads cover this station.
    Fort Myers Beach, FL
    O-5 · with dependents
    $3,504/ month
    $42,048 / year
    At O-5, this is #102 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA FL424 · ZIPs 33901 33902 33903 33904 33905 33906 +41 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,492 / mo gross
    Other dependency status here$3,036 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-5 · $3,504/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$126+$1,512/yr · like +$1,938 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Dahlgren$3,534
    Bridgeport$3,525
    Sacramento$3,525
    College Station$3,513
    Fort Myers Beach$3,504
    Beale AFB$3,492
    Knoxville$3,492
    JB Lewis-McChord$3,471
    Allentown$3,465
    Youngstown$1,827

    Fort Myers Beach is #102 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 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-6 here adds $27 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 Westchester County at O-5 is worth $4,560 a month — about 169 promotions worth of housing allowance, at $27 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. $3,504 a month of BAH takes more than $3,504 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.