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 $2,262Without $1,884

    O-5 at Fort Polk draws $2,262 per month with dependents in 2026, $1,884 without

    Permalinkbahratedesk.com/fort-polk-la/o-5/ExcelCSVDownloads cover this station.
    Fort Polk, LA
    O-5 · with dependents
    $2,262/ month
    $27,144 / year
    At O-5, this is #319 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA LA115 · ZIPs 70634 70637 70639 70652 70653 70656 +29 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$2,900 / mo gross
    Without dependents here$1,884 / mo
    In government quarters, no dependents$50.10 / mo partial
    Fort Polk — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,206$1,026
    E-2$1,206$1,026
    E-3$1,206$1,026
    E-4$1,206$1,026
    E-5$1,218$1,128
    E-6$1,833$1,374
    E-7$1,872$1,404
    E-8$1,911$1,434
    E-9$1,989$1,527
    Warrant officer
    W-1$1,854$1,392
    W-2$1,887$1,416
    W-3$1,941$1,551
    W-4$2,010$1,839
    W-5$2,100$1,881
    Officer — prior enlisted
    O-1E$1,875$1,410
    O-2E$1,929$1,488
    O-3E$2,022$1,827
    Officer
    O-1$1,296$1,191
    O-2$1,827$1,407
    O-3$1,938$1,611
    O-4$2,124$1,866
    O-5$2,262$1,884
    O-6$2,277$1,917
    O-7$2,289$1,947
    PCS compareFort Polk · O-5 · $2,262/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$1,368+$16,416/yr · like +$21,046 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    County Cost Group 610$2,292
    County Cost Group 600$2,280
    Fort Sill$2,271
    County Cost Group 590$2,268
    Fort Polk$2,262
    County Cost Group 580$2,253
    County Cost Group 570$2,238
    County Cost Group 560$2,226
    Erie$2,226
    Youngstown$1,827

    Fort Polk is #319 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 Polk0 – $2,289 / month
    E-1$1,206
    E-2$1,206
    E-3$1,206
    E-4$1,206
    E-5$1,218
    E-6$1,833
    E-7$1,872
    E-8$1,911
    E-9$1,989
    W-1$1,854
    W-2$1,887
    W-3$1,941
    W-4$2,010
    W-5$2,100
    O-1E$1,875
    O-2E$1,929
    O-3E$2,022
    O-1$1,296
    O-2$1,827
    O-3$1,938
    O-4$2,124
    O-5$2,262
    O-6$2,277
    O-7$2,289

    Promoting to O-6 here adds $15 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 Polk to Westchester County at O-5 is worth $5,802 a month — about 387 promotions worth of housing allowance, at $15 per grade here.

    02

    Dependency status is worth 20% 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. $2,262 a month of BAH takes more than $2,262 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.