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

Press Enter to look it up.

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
With $2,193 Without $1,665

E-5 at Houston draws $2,193 per month with dependents in 2026, $1,665 without

Permalink bahratedesk.com/houston-tx/ Excel CSV
Houston, TX
E-5 · with dependents
$2,193/ month
$26,316 / year
At E-5, this is #140 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA TX282 · ZIPs 77001 77002 77003 77004 77005 77006 +317 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,812 / mo gross
Without dependents here $1,665 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Houston · E-5 · $2,193/mo
Houston $2,193/mo · $26,316/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Houston — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,974 $1,524
E-2 $1,974 $1,524
E-3 $1,974 $1,524
E-4 $1,974 $1,524
E-5 $2,193 $1,665
E-6 $2,517 $1,887
E-7 $2,583 $1,980
E-8 $2,655 $2,265
E-9 $2,796 $2,352
Warrant officer
W-1 $2,535 $1,905
W-2 $2,610 $2,262
W-3 $2,703 $2,367
W-4 $2,829 $2,526
W-5 $2,988 $2,598
Officer — prior enlisted
O-1E $2,592 $2,190
O-2E $2,688 $2,331
O-3E $2,856 $2,508
Officer
O-1 $2,241 $1,749
O-2 $2,514 $2,124
O-3 $2,700 $2,397
O-4 $3,039 $2,580
O-5 $3,288 $2,616
O-6 $3,312 $2,679
O-7 $3,336 $2,724

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Nashville $2,268
County Cost Group 830 $2,250
Austin $2,241
Asheville $2,214
Buffalo $2,214
Rochester $2,214
Albuquerque $2,211
Dahlonega $2,208
Brunswick $2,205
Coastal Maine $2,193
Houston $2,193
Eugene $2,187
Knoxville $2,184
Spokane $2,184
Grand Haven $2,181
Jacksonville $2,181
Charlotte $2,169
Panama City $2,163
County Cost Group 820 $2,160
Memphis $2,154
Grand Rapids $2,148
Anniston $1,185

Houston is #140 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Houston0 – $3,336 / month
E-1 $1,974
E-2 $1,974
E-3 $1,974
E-4 $1,974
E-5 $2,193
E-6 $2,517
E-7 $2,583
E-8 $2,655
E-9 $2,796
W-1 $2,535
W-2 $2,610
W-3 $2,703
W-4 $2,829
W-5 $2,988
O-1E $2,592
O-2E $2,688
O-3E $2,856
O-1 $2,241
O-2 $2,514
O-3 $2,700
O-4 $3,039
O-5 $3,288
O-6 $3,312
O-7 $3,336

The pay chart moves this allowance far less than the map does.

Moving from Houston to San Francisco at E-5 is worth $2,934 a month — about 9 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.