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 $3,276Without $2,556

    O-5 at Gainesville draws $3,276 per month with dependents in 2026, $2,556 without

    Permalinkbahratedesk.com/gainesville-fl/o-5/ExcelCSVDownloads cover this station.
    Gainesville, FL
    O-5 · with dependents
    $3,276/ month
    $39,312 / year
    At O-5, this is #128 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA FL057 · ZIPs 32601 32602 32603 32604 32605 32606 +25 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,200 / mo gross
    Without dependents here$2,556 / mo
    In government quarters, no dependents$50.10 / mo partial
    Gainesville — full sheetTap a row
    GradeWith 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
    PCS compareGainesville · O-5 · $3,276/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$354+$4,248/yr · like +$5,446 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Patuxent River$3,300
    Twenty Nine Palms MCB$3,291
    Houston$3,288
    Humboldt County$3,288
    Gainesville$3,276
    Patrick SFB$3,267
    Elizabeth City$3,264
    St. Louis$3,261
    County Cost Group 820$3,255
    Youngstown$1,827

    Gainesville is #128 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 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 O-6 here adds $24 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 Gainesville to Westchester County at O-5 is worth $4,788 a month — about 200 promotions worth of housing allowance, at $24 per grade here.

    02

    Dependency status is worth 28% 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. $3,276 a month of BAH takes more than $3,276 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.