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 without dependents at Great Lakes Navtracen draws $2,907 per month in 2026

    Permalinkbahratedesk.com/great-lakes-navtracen-il/o-5/without/ExcelCSVDownloads cover this station.
    Great Lakes Navtracen, IL
    O-5 · without dependents
    $2,907/ month
    $34,884 / year
    At O-5, this is #103 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA IL092 · ZIPs 53101 53102 53104 53109 53140 53141 +44 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$3,727 / mo gross
    Other dependency status here$3,645 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Great Lakes Navtracen — full sheetTap a row
    GradeWith 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
    PCS compareGreat Lakes Navtracen · O-5 · $2,907/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▲ RAISE+$27+$324/yr · like +$415 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    Bridgeport$2,922
    Bremerton$2,913
    Portland$2,913
    Charlottesville$2,907
    Great Lakes Navtracen$2,907
    Oxford$2,907
    County Cost Group 850$2,892
    Patrick SFB$2,892
    Fresno$2,880
    Youngstown$1,593

    Great Lakes Navtracen is #103 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 a year, untaxed.

    Every pay grade at Great Lakes Navtracen0 – $3,051 / month
    E-1$1,653
    E-2$1,653
    E-3$1,653
    E-4$1,653
    E-5$1,854
    E-6$2,067
    E-7$2,211
    E-8$2,499
    E-9$2,592
    W-1$2,133
    W-2$2,496
    W-3$2,604
    W-4$2,778
    W-5$2,874
    O-1E$2,424
    O-2E$2,571
    O-3E$2,751
    O-1$1,977
    O-2$2,355
    O-3$2,637
    O-4$2,853
    O-5$2,907
    O-6$3,000
    O-7$3,051

    Promoting to O-6 here adds $93 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 Great Lakes Navtracen to Westchester County at O-5 is worth $3,255 a month — about 35 promotions worth of housing allowance, at $93 per grade here.

    02

    Dependency status is worth 25% 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. $2,907 a month of BAH takes more than $2,907 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.