What is O-1E BAH at Great Lakes Navtracen in 2026?

$2,871 per month with dependents ($34,452 per year), effective 01 JAN 2026. without dependents it is $2,424 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-1E BAH at Great Lakes Navtracen 2026 — $2,871/mo with dependents

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

Great Lakes Navtracen, IL

O-1E · with dependents

$2,871/ month

$34,452 / year

At O-1E, this is #103 of 338 stations loaded · high Westchester County $5,931 · low Youngstown $1,521

MHA IL092 · ZIPs 53101 53102 53104 53109 53140 53141 +44 more

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$3,681 / mo gross

Other dependency status here$2,424 without dependents

In government quarters, no dependents$50.10 / mo partial

Great Lakes Navtracen — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,202	$1,653
E-2	$2,202	$1,653
E-3	$2,202	$1,653
E-4	$2,202	$1,653
E-5	$2,427	$1,854
E-6	$2,760	$2,067
E-7	$2,853	$2,211
E-8	$2,955	$2,499
E-9	$3,120	$2,592
Warrant officer
W-1	$2,778	$2,133
W-2	$2,895	$2,496
W-3	$3,021	$2,604
W-4	$3,156	$2,778
W-5	$3,327	$2,874
Officer — prior enlisted
O-1E	$2,871	$2,424
O-2E	$3,000	$2,571
O-3E	$3,183	$2,751
Officer
O-1	$2,475	$1,977
O-2	$2,757	$2,355
O-3	$3,018	$2,637
O-4	$3,381	$2,853
O-5	$3,645	$2,907
O-6	$3,675	$3,000
O-7	$3,702	$3,051

What this rate means

O-1E with dependents, nearest stations0 – $5,931 / month

Westchester County$5,931

Bridgeport$2,895

Oxford$2,886

Aberdeen Proving Grounds$2,883

Fresno$2,871

Great Lakes Navtracen$2,871

Portland$2,871

Allentown$2,868

Bremerton$2,865

Charlottesville$2,856

Youngstown$1,521

Great Lakes Navtracen is #103 of 338. The spread between the dearest and cheapest station at this grade is $4,410 a month — $52,920 a year, untaxed.

Every pay grade at Great Lakes Navtracen0 – $3,702 / month

E-1$2,202

E-2$2,202

E-3$2,202

E-4$2,202

E-5$2,427

E-6$2,760

E-7$2,853

E-8$2,955

E-9$3,120

W-1$2,778

W-2$2,895

W-3$3,021

W-4$3,156

W-5$3,327

O-1E$2,871

O-2E$3,000

O-3E$3,183

O-1$2,475

O-2$2,757

O-3$3,018

O-4$3,381

O-5$3,645

O-6$3,675

O-7$3,702

Promoting to O-2E here adds $129 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 Great Lakes Navtracen to Westchester County at O-1E is worth $3,060 a month — about 24 promotions worth of housing allowance, at $129 per grade here.

Dependency status is worth 18% 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. $2,871 a month of BAH takes more than $2,871 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-1E with dependents at Great Lakes Navtracen draws $2,871 per month in 2026

What this rate means

Things the rate table doesn't tell you