What is E-5 BAH at Fort Stewart in 2026?

$2,310 per month with dependents ($27,720 per year), effective 01 JAN 2026. Without dependents it is $1,947 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.

E-5 BAH at Fort Stewart 2026 — $2,310 with dependents, $1,947 without

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

Fort Stewart, GA

E-5 · with dependents

$2,310/ month

$27,720 / year

At E-5, this is #123 of 338 stations loaded · high San Francisco $5,127 · low Anniston $1,185

MHA GA080 · ZIPs 31301 31308 31309 31310 31313 31314 +7 more

Your grade is calledARMYSGTUSMCSgtNAVYPO2USAFSSgt

Untaxed — matching it with taxable pay takes$2,962 / mo gross

Without dependents here$1,947 / mo

In government quarters, no dependents$50.10 / mo partial

Fort Stewart — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,175	$1,791
E-2	$2,175	$1,791
E-3	$2,175	$1,791
E-4	$2,175	$1,791
E-5	$2,310	$1,947
E-6	$2,439	$2,049
E-7	$2,493	$2,178
E-8	$2,556	$2,340
E-9	$2,682	$2,367
Warrant officer
W-1	$2,454	$2,142
W-2	$2,520	$2,337
W-3	$2,601	$2,376
W-4	$2,715	$2,442
W-5	$2,859	$2,508
Officer — prior enlisted
O-1E	$2,502	$2,307
O-2E	$2,586	$2,361
O-3E	$2,736	$2,427
Officer
O-1	$2,334	$2,037
O-2	$2,436	$2,268
O-3	$2,598	$2,385
O-4	$2,904	$2,490
O-5	$3,129	$2,520
O-6	$3,153	$2,577
O-7	$3,174	$2,619

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month

San Francisco$5,127

Fort Carson$2,358

Richmond$2,358

County Cost Group 840$2,322

Dahlgren$2,313

Fort Stewart$2,310

Phoenix$2,289

Volusia County$2,286

Cincinnati$2,283

Pittsburgh$2,283

Anniston$1,185

Fort Stewart is #123 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Fort Stewart0 – $3,174 / month

E-1$2,175

E-2$2,175

E-3$2,175

E-4$2,175

E-5$2,310

E-6$2,439

E-7$2,493

E-8$2,556

E-9$2,682

W-1$2,454

W-2$2,520

W-3$2,601

W-4$2,715

W-5$2,859

O-1E$2,502

O-2E$2,586

O-3E$2,736

O-1$2,334

O-2$2,436

O-3$2,598

O-4$2,904

O-5$3,129

O-6$3,153

O-7$3,174

Promoting to E-6 here adds $129 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 Stewart to San Francisco at E-5 is worth $2,817 a month — about 22 promotions worth of housing allowance, at $129 per grade here.

Dependency status is worth 19% 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. $2,310 a month of BAH takes more than $2,310 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.

E-5 at Fort Stewart draws $2,310 per month with dependents in 2026, $1,947 without

What this rate means

Things the rate table doesn't tell you