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-6 with dependents at Fort Stewart draws $3,153 per month in 2026

    Permalinkbahratedesk.com/fort-stewart/o-6/with/ExcelCSVDownloads cover this station.
    Fort Stewart, GA
    O-6 · with dependents
    $3,153/ month
    $37,836 / year
    At O-6, this is #7 of 17 stations loaded · high San Diego $5,541 · low Fort Riley $2,340
    MHA GA109 · ZIPs 31314 31313 31315
    Your grade is calledARMYCOLUSMCColNAVYCAPTUSAFCol
    Untaxed — matching it with taxable pay takes$4,042 / mo gross
    Other dependency status here$2,577 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Fort Stewart — full sheetTap a row
    GradeWith 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
    PCS compareFort Stewart · O-6 · $3,153/mo
    Fort Bragg$2,628/mo · $31,536/yr
    ▼ CUT−$525−$6,300/yr · like −$8,077 of salary

    What this rate means

    O-6 with dependents, every station0 – $5,541 / month
    San Diego$5,541
    Camp Pendleton$5,439
    Honolulu County$5,001
    JB Elmendorf-Richardson$4,131
    JB Lewis-McChord$3,501
    Norfolk$3,342
    Fort Stewart$3,153
    Fort Campbell$3,030
    Fort Carson$2,934
    Fort Drum$2,805
    Fort Hood$2,769
    Fort Bragg$2,628
    Camp Lejeune$2,571
    Fort Benning$2,487
    Fort Bliss$2,484
    San Antonio (JBSA)$2,475
    Fort Riley$2,340

    Fort Stewart is #7 of 17. The spread between the dearest and cheapest station at this grade is $3,201 a month — $38,412 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-7 here adds $21 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 Stewart to San Diego at O-6 is worth $2,388 a month — about 114 promotions worth of housing allowance, at $21 per grade here.

    02

    Dependency status is worth 22% 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. $3,153 a month of BAH takes more than $3,153 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.