What is O-2 BAH at Fort Stewart in 2026?

$2,436 per month with dependents ($29,232 per year), effective 01 JAN 2026. without dependents it is $2,268 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.

O-2 BAH at Fort Stewart 2026 — $2,436/mo with dependents

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

Fort Stewart, GA

O-2 · with dependents

$2,436/ month

$29,232 / year

At O-2, this is #7 of 17 stations loaded · high San Diego $4,401 · low Fort Riley $1,779

MHA GA109 · ZIPs 31314 31313 31315

Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt

Untaxed — matching it with taxable pay takes$3,123 / mo gross

Other dependency status here$2,268 without dependents

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

O-2 with dependents, every station0 – $4,401 / month

San Diego$4,401

Camp Pendleton$4,395

Honolulu County$3,909

JB Lewis-McChord$2,916

JB Elmendorf-Richardson$2,889

Norfolk$2,556

Fort Stewart$2,436

Fort Carson$2,430

Fort Bliss$2,145

Fort Campbell$2,097

San Antonio (JBSA)$2,091

Fort Bragg$2,046

Fort Benning$1,974

Camp Lejeune$1,941

Fort Hood$1,917

Fort Drum$1,890

Fort Riley$1,779

Fort Stewart is #7 of 17. The spread between the dearest and cheapest station at this grade is $2,622 a month — $31,464 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 O-3 here adds $162 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 Diego at O-2 is worth $1,965 a month — about 12 promotions worth of housing allowance, at $162 per grade here.

Dependency status is worth 7% 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. $2,436 a month of BAH takes more than $2,436 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.

O-2 with dependents at Fort Stewart draws $2,436 per month in 2026

What this rate means

Things the rate table doesn't tell you