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-5 without dependents at Fresno draws $2,880 per month in 2026

    Permalinkbahratedesk.com/fresno-ca/o-5/without/ExcelCSVDownloads cover this station.
    Fresno, CA
    O-5 · without dependents
    $2,880/ month
    $34,560 / year
    At O-5, this is #107 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA CA022 · ZIPs 93210 93234 93242 93601 93602 93604 +107 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$3,692 / mo gross
    Other dependency status here$3,414 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Fresno — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,175$1,740
    E-2$2,175$1,740
    E-3$2,175$1,740
    E-4$2,175$1,740
    E-5$2,439$1,842
    E-6$2,826$2,121
    E-7$2,868$2,184
    E-8$2,910$2,520
    E-9$3,015$2,631
    Warrant officer
    W-1$2,847$2,136
    W-2$2,883$2,517
    W-3$2,940$2,646
    W-4$3,042$2,832
    W-5$3,174$2,874
    Officer — prior enlisted
    O-1E$2,871$2,436
    O-2E$2,928$2,607
    O-3E$3,063$2,820
    Officer
    O-1$2,490$1,908
    O-2$2,823$2,352
    O-3$2,937$2,685
    O-4$3,213$2,859
    O-5$3,414$2,880
    O-6$3,441$2,916
    O-7$3,465$2,967
    PCS compareFresno · O-5 · $2,880/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▲ RAISE+$54+$648/yr · like +$831 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    Great Lakes Navtracen$2,907
    Oxford$2,907
    County Cost Group 850$2,892
    Patrick SFB$2,892
    Fresno$2,880
    Allentown$2,853
    Minneapolis$2,844
    Beaufort$2,832
    Dover AFB$2,832
    Youngstown$1,593

    Fresno is #107 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 a year, untaxed.

    Every pay grade at Fresno0 – $2,967 / month
    E-1$1,740
    E-2$1,740
    E-3$1,740
    E-4$1,740
    E-5$1,842
    E-6$2,121
    E-7$2,184
    E-8$2,520
    E-9$2,631
    W-1$2,136
    W-2$2,517
    W-3$2,646
    W-4$2,832
    W-5$2,874
    O-1E$2,436
    O-2E$2,607
    O-3E$2,820
    O-1$1,908
    O-2$2,352
    O-3$2,685
    O-4$2,859
    O-5$2,880
    O-6$2,916
    O-7$2,967

    Promoting to O-6 here adds $36 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 Fresno to Westchester County at O-5 is worth $3,282 a month — about 91 promotions worth of housing allowance, at $36 per grade here.

    02

    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.

    03

    None of it is taxed. $2,880 a month of BAH takes more than $2,880 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.