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 $1,977Without $1,611

    O-1 at Fort Wayne draws $1,977 per month with dependents in 2026, $1,611 without

    Permalinkbahratedesk.com/fort-wayne-in/o-1/ExcelCSVDownloads cover this station.
    Fort Wayne, IN
    O-1 · with dependents
    $1,977/ month
    $23,724 / year
    At O-1, this is #190 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218
    MHA IN097 · ZIPs 46704 46741 46743 46745 46748 46765 +49 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$2,535 / mo gross
    Without dependents here$1,611 / mo
    In government quarters, no dependents$50.10 / mo partial
    Fort Wayne — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,782$1,338
    E-2$1,782$1,338
    E-3$1,782$1,338
    E-4$1,782$1,338
    E-5$1,947$1,503
    E-6$2,130$1,626
    E-7$2,154$1,785
    E-8$2,184$1,989
    E-9$2,289$2,034
    Warrant officer
    W-1$2,145$1,734
    W-2$2,166$1,986
    W-3$2,208$2,043
    W-4$2,319$2,127
    W-5$2,463$2,160
    Officer — prior enlisted
    O-1E$2,157$1,944
    O-2E$2,199$2,022
    O-3E$2,343$2,118
    Officer
    O-1$1,977$1,611
    O-2$2,127$1,896
    O-3$2,205$2,058
    O-4$2,505$2,145
    O-5$2,727$2,163
    O-6$2,745$2,184
    O-7$2,763$2,220
    PCS compareFort Wayne · O-1 · $1,977/mo
    Aberdeen Proving Grounds$2,517/mo · $30,204/yr
    ▲ RAISE+$540+$6,480/yr · like +$8,308 of salary

    What this rate means

    O-1 with dependents, nearest stations0 – $5,172 / month
    San Francisco$5,172
    El Centro$2,013
    County Cost Group 800$2,007
    Abilene$1,989
    Yakima$1,983
    Fort Wayne$1,977
    Boise$1,974
    Helena$1,968
    New Orleans$1,968
    Jackson$1,956
    Youngstown$1,218

    Fort Wayne is #190 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 a year, untaxed.

    Every pay grade at Fort Wayne0 – $2,763 / month
    E-1$1,782
    E-2$1,782
    E-3$1,782
    E-4$1,782
    E-5$1,947
    E-6$2,130
    E-7$2,154
    E-8$2,184
    E-9$2,289
    W-1$2,145
    W-2$2,166
    W-3$2,208
    W-4$2,319
    W-5$2,463
    O-1E$2,157
    O-2E$2,199
    O-3E$2,343
    O-1$1,977
    O-2$2,127
    O-3$2,205
    O-4$2,505
    O-5$2,727
    O-6$2,745
    O-7$2,763

    Promoting to O-2 here adds $150 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 Wayne to San Francisco at O-1 is worth $3,195 a month — about 21 promotions worth of housing allowance, at $150 per grade here.

    02

    Dependency status is worth 23% 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. $1,977 a month of BAH takes more than $1,977 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.