What is W-5 BAH at Fort Myers Beach in 2026?

$3,012 per month without dependents ($36,144 per year), effective 01 JAN 2026. with dependents it is $3,315 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.

W-5 BAH at Fort Myers Beach 2026 — $3,012/mo without dependents

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

Fort Myers Beach, FL

W-5 · without dependents

$3,012/ month

$36,144 / year

At W-5, this is #83 of 338 stations loaded · high Westchester County $5,946 · low Youngstown $1,527

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

Your grade is calledARMYCW5USMCCWO5NAVYCWO5

Untaxed — matching it with taxable pay takes$3,862 / mo gross

Other dependency status here$3,315 with 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

W-5 without dependents, nearest stations0 – $5,946 / month

Westchester County$5,946

Ketchikan$3,069

Tampa$3,054

Ballston Spa$3,030

Baltimore$3,015

Fort Myers Beach$3,012

JB Lewis-McChord$3,009

Outer Banks$3,006

Sacramento$3,000

Kodiak Island$2,997

Youngstown$1,527

Fort Myers Beach is #83 of 338. The spread between the dearest and cheapest station at this grade is $4,419 a month — $53,028 a year, untaxed.

Every pay grade at Fort Myers Beach0 – $3,165 / month

E-1$2,094

E-2$2,094

E-3$2,094

E-4$2,094

E-5$2,295

E-6$2,421

E-7$2,556

E-8$2,745

E-9$2,802

W-1$2,514

W-2$2,742

W-3$2,814

W-4$2,931

W-5$3,012

O-1E$2,691

O-2E$2,790

O-3E$2,910

O-1$2,406

O-2$2,652

O-3$2,835

O-4$2,991

O-5$3,036

O-6$3,111

O-7$3,165

Rates flatten out at the top of each track, which is why the sheet stops at O-7.

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.

None of it is taxed. $3,012 a month of BAH takes more than $3,012 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.

W-5 without dependents at Fort Myers Beach draws $3,012 per month in 2026

What this rate means

Things the rate table doesn't tell you