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-6 with dependents at Great Lakes Navtracen draws $3,675 per month in 2026

    Permalinkbahratedesk.com/great-lakes-navtracen-il/o-6/with/ExcelCSVDownloads cover this station.
    Great Lakes Navtracen, IL
    O-6 · with dependents
    $3,675/ month
    $44,100 / year
    At O-6, this is #91 of 338 stations loaded · high Westchester County $8,136 · low Youngstown $1,839
    MHA IL092 · ZIPs 53101 53102 53104 53109 53140 53141 +44 more
    Your grade is calledARMYCOLUSMCColNAVYCAPTUSAFCol
    Untaxed — matching it with taxable pay takes$4,712 / mo gross
    Other dependency status here$3,000 without 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-6 · $3,675/mo
    Aberdeen Proving Grounds$3,660/mo · $43,920/yr
    ▼ CUT−$15−$180/yr · like −$231 of salary

    What this rate means

    O-6 with dependents, every station0 – $8,136 / month
    Westchester County$8,136
    New York City$7,194
    San Francisco$7,155
    Nantucket$6,993
    Boston$6,540
    Maui County$6,435
    Santa Clara County$6,387
    Florida Keys$6,267
    Hanscom AFB$6,141
    Northern New Jersey$6,042
    Kauai County$5,943
    Essex CO$5,904
    Long Island$5,874
    Miami$5,814
    Martha's Vineyard$5,694
    Monterey$5,613
    San Diego$5,541
    Los Angeles$5,481
    San Luis Obispo$5,475
    Staten Island$5,442
    Camp Pendleton$5,439
    Portsmouth$5,400
    Trenton$5,379
    West Point$5,298
    Portland$5,280
    Cape Cod-Plymouth$5,241
    Oakland$5,178
    Fort Monmouth$5,028
    Fitchburg$5,010
    Honolulu County$5,001
    Perth Amboy$4,968
    Marin$4,905
    Burlington$4,896
    Seattle$4,836
    Ventura$4,830
    West Palm Beach$4,824
    Manchester$4,746
    Washington$4,731
    Worcester$4,725
    Newport$4,707
    Warrenton$4,638
    New Haven$4,629
    Providence$4,572
    County Cost Group 890$4,569
    Hartford$4,431
    Vandenberg SFB$4,392
    Atlantic City$4,332
    Indian Head Navordsta$4,314
    Hawaii County$4,299
    Boulder$4,254
    County Cost Group 880$4,170
    Ann Arbor$4,161
    JB McGuire-Dix-Lakehurst$4,155
    Annapolis$4,134
    JB Elmendorf-Richardson$4,131
    Austin$4,131
    Chicago$4,122
    Juneau$4,110
    Quantico$4,098
    Stockton$4,080
    Santa Fe$4,056
    Fort G. G. Meade$4,047
    Ketchikan$4,035
    Riverside$4,035
    Madison$4,026
    Hampden County$4,011
    Cape May$4,002
    Everett$3,969
    Willow Grove$3,969
    Vallejo$3,960
    New London$3,939
    Brunswick$3,927
    County Cost Group 870$3,915
    Edwards AFB$3,870
    Kodiak Island$3,861
    Milwaukee$3,861
    Fort Detrick$3,837
    San Bernardino$3,828
    Ballston Spa$3,807
    Corvallis$3,801
    Sitka$3,798
    Philadelphia$3,789
    Asheville$3,753
    Baltimore$3,741
    Portland$3,732
    Outer Banks$3,726
    Astoria$3,702
    County Cost Group 860$3,702
    Oxford$3,693
    Fort Pierce$3,675
    Great Lakes Navtracen$3,675
    Aberdeen Proving Grounds$3,660
    Eglin AFB$3,642
    Denver$3,615
    County Cost Group 850$3,600
    Detroit$3,582
    Charlottesville$3,567
    Dahlgren$3,564
    Bridgeport$3,552
    Sacramento$3,552
    College Station$3,540
    Fort Myers Beach$3,531
    Beale AFB$3,522
    Knoxville$3,519
    JB Lewis-McChord$3,501
    Allentown$3,492
    County Cost Group 840$3,486
    Beaufort$3,465
    Port Angeles$3,462
    Fresno$3,441
    Bremerton$3,438
    Pittsburgh$3,435
    Fairbanks$3,432
    Whidbey Island$3,429
    Tampa$3,417
    Traverse City$3,417
    Minneapolis$3,411
    County Cost Group 830$3,393
    Reno$3,384
    Buffalo$3,351
    Eugene$3,351
    Norfolk$3,342
    Patuxent River$3,327
    Wilmington$3,327
    Twenty Nine Palms MCB$3,318
    Houston$3,312
    Humboldt County$3,312
    Gainesville$3,300
    Patrick SFB$3,294
    Elizabeth City$3,288
    St. Louis$3,285
    Orlando$3,282
    County Cost Group 820$3,279
    Savannah$3,273
    Rome$3,267
    Yakima$3,267
    Abilene$3,258
    Durham$3,258
    Helena$3,258
    Omaha$3,258
    Richmond$3,255
    Salem$3,252
    Bloomington$3,249
    Rochester$3,249
    Cleveland$3,246
    Nashville$3,243
    Chattanooga$3,228
    Syracuse$3,225
    Spokane$3,222
    Dallas$3,216
    Coastal Maine$3,207
    State College$3,207
    Fort Collins$3,189
    Barstow$3,168
    County Cost Group 810$3,153
    Fort Stewart$3,153
    Coos Bay$3,141
    Hampton$3,123
    Tallahassee$3,123
    Salt Lake City$3,120
    Waco$3,117
    Jackson$3,108
    Dover AFB$3,105
    Carlisle Barracks$3,093
    Cincinnati$3,084
    New Orleans$3,084
    Panama City$3,084
    Charleston$3,060
    Eastern Panhandle$3,051
    Fort Campbell$3,030
    County Cost Group 800$3,021
    Myrtle Beach$3,006
    Battle Creek$2,997
    El Centro$2,997
    Louisville$2,997
    Volusia County$2,991
    Corpus Christi$2,988
    Atlanta$2,985
    Wichita Fls$2,979
    Columbus$2,973
    Grand Rapids$2,970
    Fort Knox$2,964
    Auburn$2,955
    Scott AFB$2,952
    Ocala$2,943
    Cheyenne$2,937
    Kings Bay$2,937
    Fort Carson$2,934
    Grand Haven$2,934
    County Cost Group 790$2,928
    Des Moines$2,925
    Fargo$2,925
    Mountain Home AFB$2,925
    Provo$2,925
    Johnson City$2,919
    Morehead$2,919
    Dahlonega$2,916
    Albuquerque$2,892
    Rock Island$2,892
    Rapid City$2,871
    Fayetteville$2,868
    Kansas City$2,868
    Lexington$2,862
    Lemoore NAS$2,856
    Birmingham$2,847
    Champaign$2,841
    Eastern Shore$2,841
    Lansing$2,841
    Laughlin AFB$2,841
    Bangor$2,835
    Marquette$2,832
    Toledo$2,832
    County Cost Group 780$2,829
    Duluth$2,829
    Fort Worth$2,814
    Fort Gordon$2,808
    Roanoke$2,808
    Fort Drum$2,805
    Shreveport$2,799
    Nellis AFB$2,796
    Phoenix$2,796
    Tulsa$2,787
    Boise$2,784
    Baton Rouge$2,769
    Fort Hood$2,769
    Fort Rucker$2,760
    Jacksonville$2,757
    Raleigh$2,757
    County Cost Group 770$2,751
    Mobile$2,751
    Columbia$2,745
    Fort Wayne$2,745
    Malmstrom SFB$2,745
    Brownsville$2,742
    Akron$2,736
    Whiteman AFB$2,736
    Ogden$2,733
    Robins AFB$2,730
    Wright-Patterson AFB$2,724
    Paducah$2,712
    Grand Forks$2,703
    Wilkes-Barre$2,697
    Lincoln$2,688
    China Lake$2,676
    Terre Haute$2,676
    Greenville$2,670
    Springfield$2,670
    Seymour Johnson AFB$2,667
    County Cost Group 760$2,661
    Memphis$2,661
    Lexington$2,652
    Greensboro$2,649
    Fallon NAS$2,643
    Gulfport$2,643
    Topeka$2,637
    Morgantown$2,631
    Pensacola$2,631
    Fort Bragg$2,628
    Huntsville$2,625
    Lubbock$2,622
    Little Rock$2,619
    Sault Ste Marie$2,613
    Fort Leavenworth$2,610
    Moody AFB$2,607
    Sumter$2,607
    Columbia$2,604
    County Cost Group 750$2,601
    Charlotte$2,595
    Montgomery$2,583
    St Mary And Terrebonne$2,583
    Indianapolis$2,577
    Beaumont$2,571
    Camp Lejeune$2,571
    Davis-Monthan AFB$2,568
    Albany$2,550
    County Cost Group 740$2,538
    Sioux Falls$2,529
    Minot AFB$2,526
    Alexandria$2,514
    Columbus AFB$2,511
    Lafayette$2,502
    Fort Huachuca$2,499
    County Cost Group 730$2,496
    Lake Charles$2,490
    Fort Benning$2,487
    Fort Bliss$2,484
    Charleston$2,481
    Peoria$2,481
    San Antonio (JBSA)$2,475
    Yuma$2,472
    County Cost Group 720$2,466
    Wichita$2,463
    County Cost Group 710$2,442
    Goodfellow AFB$2,433
    Springfield$2,430
    Vance AFB$2,430
    County Cost Group 700$2,418
    County Cost Group 690$2,400
    Meridian$2,400
    Bismarck$2,397
    Holloman AFB$2,394
    Fort Chaffee$2,388
    Hattiesburg$2,388
    County Cost Group 680$2,385
    White Sands MR$2,376
    County Cost Group 670$2,373
    Altus AFB$2,358
    County Cost Group 660$2,358
    Oklahoma City$2,355
    County Cost Group 650$2,346
    Fort Riley$2,340
    County Cost Group 640$2,337
    County Cost Group 630$2,325
    County Cost Group 620$2,316
    County Cost Group 610$2,307
    County Cost Group 600$2,298
    Fort Sill$2,286
    County Cost Group 590$2,283
    Fort Polk$2,277
    County Cost Group 580$2,268
    County Cost Group 570$2,253
    County Cost Group 560$2,241
    Erie$2,241
    Fort Leonard Wood$2,238
    Sparta$2,238
    County Cost Group 550$2,229
    County Cost Group 540$2,220
    Frankfort$2,214
    County Cost Group 530$2,211
    County Cost Group 520$2,205
    Huntington$2,205
    County Cost Group 510$2,199
    Anniston$2,130
    Monroe$2,055
    Saginaw$2,022
    Stevens Point$2,010
    Cannon AFB$1,956
    Youngstown$1,839

    Great Lakes Navtracen is #91 of 338. The spread between the dearest and cheapest station at this grade is $6,297 a month — $75,564 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-7 here adds $27 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-6 is worth $4,461 a month — about 165 promotions worth of housing allowance, at $27 per grade here.

    02

    Dependency status is worth 23% 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. $3,675 a month of BAH takes more than $3,675 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.