What is E-7 BAH at Gainesville in 2026?

$2,478 per month with dependents ($29,736 per year), effective 01 JAN 2026. without dependents it is $1,983 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.

E-7 BAH at Gainesville 2026 — $2,478/mo with dependents

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

Gainesville, FL

E-7 · with dependents

$2,478/ month

$29,736 / year

At E-7, this is #160 of 338 stations loaded · high Westchester County $5,832 · low Youngstown $1,491

MHA FL057 · ZIPs 32601 32602 32603 32604 32605 32606 +25 more

Your grade is calledARMYSFCUSMCGySgtNAVYCPOUSAFMSgt

Untaxed — matching it with taxable pay takes$3,177 / mo gross

Other dependency status here$1,983 without dependents

In government quarters, no dependents$50.10 / mo partial

Gainesville — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,986	$1,572
E-2	$1,986	$1,572
E-3	$1,986	$1,572
E-4	$1,986	$1,572
E-5	$2,040	$1,800
E-6	$2,355	$1,932
E-7	$2,478	$1,983
E-8	$2,613	$2,109
E-9	$2,793	$2,196
Warrant officer
W-1	$2,373	$1,980
W-2	$2,532	$2,106
W-3	$2,700	$2,208
W-4	$2,826	$2,379
W-5	$2,982	$2,508
Officer — prior enlisted
O-1E	$2,502	$2,037
O-2E	$2,676	$2,175
O-3E	$2,850	$2,346
Officer
O-1	$2,085	$1,929
O-2	$2,352	$2,025
O-3	$2,697	$2,238
O-4	$3,033	$2,481
O-5	$3,276	$2,556
O-6	$3,300	$2,679
O-7	$3,324	$2,724

What this rate means

E-7 with dependents, nearest stations0 – $5,832 / month

Westchester County$5,832

Yakima$2,499

Salt Lake City$2,496

Fort Stewart$2,493

Fort Carson$2,487

Gainesville$2,478

Phoenix$2,475

County Cost Group 810$2,472

Charlotte$2,457

Omaha$2,457

Youngstown$1,491

Gainesville is #160 of 338. The spread between the dearest and cheapest station at this grade is $4,341 a month — $52,092 a year, untaxed.

Every pay grade at Gainesville0 – $3,324 / month

E-1$1,986

E-2$1,986

E-3$1,986

E-4$1,986

E-5$2,040

E-6$2,355

E-7$2,478

E-8$2,613

E-9$2,793

W-1$2,373

W-2$2,532

W-3$2,700

W-4$2,826

W-5$2,982

O-1E$2,502

O-2E$2,676

O-3E$2,850

O-1$2,085

O-2$2,352

O-3$2,697

O-4$3,033

O-5$3,276

O-6$3,300

O-7$3,324

Promoting to E-8 here adds $135 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 Gainesville to Westchester County at E-7 is worth $3,354 a month — about 25 promotions worth of housing allowance, at $135 per grade here.

Dependency status is worth 25% 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. $2,478 a month of BAH takes more than $2,478 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.

E-7 with dependents at Gainesville draws $2,478 per month in 2026

What this rate means

Things the rate table doesn't tell you