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-2 with dependents at Grand Haven draws $2,478 per month in 2026

    Permalinkbahratedesk.com/grand-haven-mi/o-2/with/ExcelCSVDownloads cover this station.
    Grand Haven, MI
    O-2 · with dependents
    $2,478/ month
    $29,736 / year
    At O-2, this is #148 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332
    MHA MI148 · ZIPs 49303 49318 49409 49415 49417 49425 +12 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$3,177 / mo gross
    Other dependency status here$2,127 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Grand Haven — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,004$1,596
    E-2$2,004$1,596
    E-3$2,004$1,596
    E-4$2,004$1,596
    E-5$2,181$1,740
    E-6$2,481$1,860
    E-7$2,505$2,010
    E-8$2,535$2,247
    E-9$2,610$2,328
    Warrant officer
    W-1$2,499$1,953
    W-2$2,517$2,244
    W-3$2,556$2,340
    W-4$2,631$2,481
    W-5$2,733$2,511
    Officer — prior enlisted
    O-1E$2,508$2,178
    O-2E$2,547$2,310
    O-3E$2,649$2,472
    Officer
    O-1$2,223$1,824
    O-2$2,478$2,127
    O-3$2,553$2,370
    O-4$2,760$2,499
    O-5$2,913$2,514
    O-6$2,934$2,532
    O-7$2,955$2,574
    PCS compareGrand Haven · O-2 · $2,478/mo
    Aberdeen Proving Grounds$2,739/mo · $32,868/yr
    ▲ RAISE+$261+$3,132/yr · like +$4,015 of salary

    What this rate means

    O-2 with dependents, nearest stations0 – $5,451 / month
    San Francisco$5,451
    Volusia County$2,493
    Dover AFB$2,490
    County Cost Group 820$2,487
    Eugene$2,478
    Grand Haven$2,478
    Phoenix$2,454
    Fairbanks$2,451
    Panama City$2,439
    Fort Stewart$2,436
    Youngstown$1,332

    Grand Haven is #148 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 a year, untaxed.

    Every pay grade at Grand Haven0 – $2,955 / month
    E-1$2,004
    E-2$2,004
    E-3$2,004
    E-4$2,004
    E-5$2,181
    E-6$2,481
    E-7$2,505
    E-8$2,535
    E-9$2,610
    W-1$2,499
    W-2$2,517
    W-3$2,556
    W-4$2,631
    W-5$2,733
    O-1E$2,508
    O-2E$2,547
    O-3E$2,649
    O-1$2,223
    O-2$2,478
    O-3$2,553
    O-4$2,760
    O-5$2,913
    O-6$2,934
    O-7$2,955

    Promoting to O-3 here adds $75 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 Grand Haven to San Francisco at O-2 is worth $2,973 a month — about 40 promotions worth of housing allowance, at $75 per grade here.

    02

    Dependency status is worth 17% 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. $2,478 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.

    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.