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-1 with dependents at Houston draws $2,241 per month in 2026

    Permalinkbahratedesk.com/houston-tx/o-1/with/ExcelCSVDownloads cover this station.
    Houston, TX
    O-1 · with dependents
    $2,241/ month
    $26,892 / year
    At O-1, this is #141 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218
    MHA TX282 · ZIPs 77001 77002 77003 77004 77005 77006 +317 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$2,873 / mo gross
    Other dependency status here$1,749 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Houston — full sheetTap 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
    PCS compareHouston · O-1 · $2,241/mo
    Aberdeen Proving Grounds$2,517/mo · $30,204/yr
    ▲ RAISE+$276+$3,312/yr · like +$4,246 of salary

    What this rate means

    O-1 with dependents, nearest stations0 – $5,172 / month
    San Francisco$5,172
    Rochester$2,259
    Brunswick$2,253
    Dahlonega$2,250
    Knoxville$2,247
    Houston$2,241
    Albuquerque$2,235
    Spokane$2,235
    Eugene$2,229
    Grand Haven$2,223
    Youngstown$1,218

    Houston is #141 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 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

    Promoting to O-2 here adds $273 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 Houston to San Francisco at O-1 is worth $2,931 a month — about 11 promotions worth of housing allowance, at $273 per grade here.

    02

    Dependency status is worth 28% 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. $2,241 a month of BAH takes more than $2,241 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.