What is O-1 BAH at Grand Forks in 2026?

$1,770 per month with dependents ($21,240 per year), effective 01 JAN 2026. Without dependents it is $1,329 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-1 BAH at Grand Forks 2026 — $1,770 with dependents, $1,329 without

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

Grand Forks, ND

O-1 · with dependents

$1,770/ month

$21,240 / year

At O-1, this is #237 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218

MHA ND190 · ZIPs 58201 58202 58203 58204 58205 58206 +13 more

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$2,269 / mo gross

Without dependents here$1,329 / mo

In government quarters, no dependents$50.10 / mo partial

Grand Forks — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,518	$1,233
E-2	$1,518	$1,233
E-3	$1,518	$1,233
E-4	$1,518	$1,233
E-5	$1,731	$1,299
E-6	$2,004	$1,500
E-7	$2,073	$1,554
E-8	$2,151	$1,791
E-9	$2,277	$1,863
Warrant officer
W-1	$2,022	$1,518
W-2	$2,106	$1,788
W-3	$2,202	$1,875
W-4	$2,307	$2,013
W-5	$2,439	$2,091
Officer — prior enlisted
O-1E	$2,085	$1,728
O-2E	$2,184	$1,848
O-3E	$2,325	$1,995
Officer
O-1	$1,770	$1,329
O-2	$2,001	$1,662
O-3	$2,199	$1,902
O-4	$2,478	$2,070
O-5	$2,682	$2,109
O-6	$2,703	$2,178
O-7	$2,718	$2,214

What this rate means

O-1 with dependents, nearest stations0 – $5,172 / month

San Francisco$5,172

Waco$1,803

County Cost Group 770$1,797

Fargo$1,785

Fort Huachuca$1,782

Grand Forks$1,770

Wilkes-Barre$1,767

Fort Benning$1,755

White Sands MR$1,737

Auburn$1,731

Youngstown$1,218

Grand Forks is #237 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 Grand Forks0 – $2,718 / month

E-1$1,518

E-2$1,518

E-3$1,518

E-4$1,518

E-5$1,731

E-6$2,004

E-7$2,073

E-8$2,151

E-9$2,277

W-1$2,022

W-2$2,106

W-3$2,202

W-4$2,307

W-5$2,439

O-1E$2,085

O-2E$2,184

O-3E$2,325

O-1$1,770

O-2$2,001

O-3$2,199

O-4$2,478

O-5$2,682

O-6$2,703

O-7$2,718

Promoting to O-2 here adds $231 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 Grand Forks to San Francisco at O-1 is worth $3,402 a month — about 15 promotions worth of housing allowance, at $231 per grade here.

Dependency status is worth 33% 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. $1,770 a month of BAH takes more than $1,770 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-1 at Grand Forks draws $1,770 per month with dependents in 2026, $1,329 without

What this rate means

Things the rate table doesn't tell you