What is O-6 BAH at Fort Wayne in 2026?

$2,745 per month with dependents ($32,940 per year), effective 01 JAN 2026. without dependents it is $2,184 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-6 BAH at Fort Wayne 2026 — $2,745/mo with dependents

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

Fort Wayne, IN

O-6 · with dependents

$2,745/ month

$32,940 / year

At O-6, this is #232 of 338 stations loaded · high Westchester County $8,136 · low Youngstown $1,839

MHA IN097 · ZIPs 46704 46741 46743 46745 46748 46765 +49 more

Your grade is calledARMYCOLUSMCColNAVYCAPTUSAFCol

Untaxed — matching it with taxable pay takes$3,519 / mo gross

Other dependency status here$2,184 without dependents

In government quarters, no dependents$50.10 / mo partial

Fort Wayne — full sheetTap a row

Grade	With 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

What this rate means

O-6 with dependents, nearest stations0 – $8,136 / month

Westchester County$8,136

Raleigh$2,757

County Cost Group 770$2,751

Mobile$2,751

Columbia$2,745

Fort Wayne$2,745

Malmstrom SFB$2,745

Brownsville$2,742

Akron$2,736

Whiteman AFB$2,736

Youngstown$1,839

Fort Wayne is #232 of 338. The spread between the dearest and cheapest station at this grade is $6,297 a month — $75,564 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-7 here adds $18 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 Wayne to Westchester County at O-6 is worth $5,391 a month — about 300 promotions worth of housing allowance, at $18 per grade here.

Dependency status is worth 26% 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. $2,745 a month of BAH takes more than $2,745 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-6 with dependents at Fort Wayne draws $2,745 per month in 2026

What this rate means

Things the rate table doesn't tell you