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-5 with dependents at Grand Rapids draws $2,946 per month in 2026

    Permalinkbahratedesk.com/grand-rapids-mi/o-5/with/ExcelCSVDownloads cover this station.
    Grand Rapids, MI
    O-5 · with dependents
    $2,946/ month
    $35,352 / year
    At O-5, this is #181 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA MI154 · ZIPs 49301 49302 49306 49315 49316 49317 +58 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$3,777 / mo gross
    Other dependency status here$2,418 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Grand Rapids — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,950$1,464
    E-2$1,950$1,464
    E-3$1,950$1,464
    E-4$1,950$1,464
    E-5$2,148$1,635
    E-6$2,403$1,800
    E-7$2,424$1,956
    E-8$2,433$2,205
    E-9$2,517$2,271
    Warrant officer
    W-1$2,421$1,893
    W-2$2,430$2,202
    W-3$2,442$2,283
    W-4$2,547$2,397
    W-5$2,688$2,415
    Officer — prior enlisted
    O-1E$2,427$2,145
    O-2E$2,436$2,256
    O-3E$2,571$2,394
    Officer
    O-1$2,184$1,752
    O-2$2,400$2,085
    O-3$2,439$2,307
    O-4$2,730$2,403
    O-5$2,946$2,418
    O-6$2,970$2,421
    O-7$2,988$2,454
    PCS compareGrand Rapids · O-5 · $2,946/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$684+$8,208/yr · like +$10,523 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Atlanta$2,964
    Corpus Christi$2,964
    Wichita Fls$2,955
    Columbus$2,949
    Grand Rapids$2,946
    Fort Knox$2,943
    Auburn$2,934
    Scott AFB$2,928
    Ocala$2,922
    Youngstown$1,827

    Grand Rapids is #181 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 Rapids0 – $2,988 / month
    E-1$1,950
    E-2$1,950
    E-3$1,950
    E-4$1,950
    E-5$2,148
    E-6$2,403
    E-7$2,424
    E-8$2,433
    E-9$2,517
    W-1$2,421
    W-2$2,430
    W-3$2,442
    W-4$2,547
    W-5$2,688
    O-1E$2,427
    O-2E$2,436
    O-3E$2,571
    O-1$2,184
    O-2$2,400
    O-3$2,439
    O-4$2,730
    O-5$2,946
    O-6$2,970
    O-7$2,988

    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 Grand Rapids to Westchester County at O-5 is worth $5,118 a month — about 213 promotions worth of housing allowance, at $24 per grade here.

    02

    Dependency status is worth 22% 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. $2,946 a month of BAH takes more than $2,946 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.