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 without dependents at Grand Haven draws $2,127 per month in 2026

    Permalinkbahratedesk.com/grand-haven-mi/o-2/without/ExcelCSVDownloads cover this station.
    Grand Haven, MI
    O-2 · without dependents
    $2,127/ month
    $25,524 / year
    At O-2, this is #148 of 338 stations loaded · high New York City $5,091 · low Youngstown $1,176
    MHA MI148 · ZIPs 49303 49318 49409 49415 49417 49425 +12 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$2,727 / mo gross
    Other dependency status here$2,478 with 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 · $2,127/mo
    Aberdeen Proving Grounds$2,412/mo · $28,944/yr
    ▲ RAISE+$285+$3,420/yr · like +$4,385 of salary

    What this rate means

    O-2 without dependents, nearest stations0 – $5,091 / month
    New York City$5,091
    Albuquerque$2,142
    Jacksonville$2,139
    Abilene$2,136
    Panama City$2,133
    Grand Haven$2,127
    Rochester$2,127
    Houston$2,124
    Charlotte$2,118
    County Cost Group 820$2,118
    Youngstown$1,176

    Grand Haven is #148 of 338. The spread between the dearest and cheapest station at this grade is $3,915 a month — $46,980 a year, untaxed.

    Every pay grade at Grand Haven0 – $2,574 / month
    E-1$1,596
    E-2$1,596
    E-3$1,596
    E-4$1,596
    E-5$1,740
    E-6$1,860
    E-7$2,010
    E-8$2,247
    E-9$2,328
    W-1$1,953
    W-2$2,244
    W-3$2,340
    W-4$2,481
    W-5$2,511
    O-1E$2,178
    O-2E$2,310
    O-3E$2,472
    O-1$1,824
    O-2$2,127
    O-3$2,370
    O-4$2,499
    O-5$2,514
    O-6$2,532
    O-7$2,574

    Promoting to O-3 here adds $243 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 New York City at O-2 is worth $2,964 a month — about 12 promotions worth of housing allowance, at $243 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. $2,127 a month of BAH takes more than $2,127 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.