What is O-5 BAH at Grand Haven in 2026?

$2,913 per month with dependents ($34,956 per year), effective 01 JAN 2026. without dependents it is $2,514 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-5 BAH at Grand Haven 2026 — $2,913/mo with dependents

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

Grand Haven, MI

O-5 · with dependents

$2,913/ month

$34,956 / year

At O-5, this is #189 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827

MHA MI148 · ZIPs 49303 49318 49409 49415 49417 49425 +12 more

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Untaxed — matching it with taxable pay takes$3,735 / mo gross

Other dependency status here$2,514 without dependents

In government quarters, no dependents$50.10 / mo partial

Grand Haven — full sheetTap a row

Grade	With 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

What this rate means

O-5 with dependents, nearest stations0 – $8,064 / month

Westchester County$8,064

Ocala$2,922

Cheyenne$2,916

Kings Bay$2,916

Fort Carson$2,913

Grand Haven$2,913

County Cost Group 790$2,907

Des Moines$2,904

Fargo$2,904

Mountain Home AFB$2,901

Youngstown$1,827

Grand Haven is #189 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 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-6 here adds $21 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 Haven to Westchester County at O-5 is worth $5,151 a month — about 245 promotions worth of housing allowance, at $21 per grade here.

Dependency status is worth 16% 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. $2,913 a month of BAH takes more than $2,913 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-5 with dependents at Grand Haven draws $2,913 per month in 2026

What this rate means

Things the rate table doesn't tell you