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-2 without dependents at Indian Head Navordsta draws $3,234 per month in 2026

    Permalinkbahratedesk.com/indian-head-navordsta-md/o-2/without/ExcelCSVDownloads cover this station.
    Indian Head Navordsta, MD
    O-2 · without dependents
    $3,234/ month
    $38,808 / year
    At O-2, this is #37 of 338 stations loaded · high New York City $5,091 · low Youngstown $1,176
    MHA MD134 · ZIPs 20601 20602 20603 20604 20607 20611 +19 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$4,146 / mo gross
    Other dependency status here$3,375 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Indian Head Navordsta — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,192$2,472
    E-2$3,192$2,472
    E-3$3,192$2,472
    E-4$3,192$2,472
    E-5$3,249$2,904
    E-6$3,378$3,135
    E-7$3,483$3,189
    E-8$3,597$3,282
    E-9$3,768$3,306
    Warrant officer
    W-1$3,393$3,186
    W-2$3,528$3,279
    W-3$3,672$3,315
    W-4$3,804$3,396
    W-5$3,969$3,507
    Officer — prior enlisted
    O-1E$3,501$3,246
    O-2E$3,648$3,300
    O-3E$3,831$3,366
    Officer
    O-1$3,273$3,132
    O-2$3,375$3,234
    O-3$3,669$3,327
    O-4$4,020$3,483
    O-5$4,278$3,543
    O-6$4,314$3,651
    O-7$4,344$3,714
    PCS compareIndian Head Navordsta · O-2 · $3,234/mo
    Aberdeen Proving Grounds$2,412/mo · $28,944/yr
    ▼ CUT−$822−$9,864/yr · like −$12,646 of salary

    What this rate means

    O-2 without dependents, nearest stations0 – $5,091 / month
    New York City$5,091
    Vallejo$3,279
    Vandenberg SFB$3,276
    Riverside$3,270
    Portsmouth$3,249
    Indian Head Navordsta$3,234
    Portland$3,201
    San Bernardino$3,180
    Providence$3,150
    San Luis Obispo$3,144
    Youngstown$1,176

    Indian Head Navordsta is #37 of 338. The spread between the dearest and cheapest station at this grade is $3,915 a month — $46,980 a year, untaxed.

    Every pay grade at Indian Head Navordsta0 – $3,714 / month
    E-1$2,472
    E-2$2,472
    E-3$2,472
    E-4$2,472
    E-5$2,904
    E-6$3,135
    E-7$3,189
    E-8$3,282
    E-9$3,306
    W-1$3,186
    W-2$3,279
    W-3$3,315
    W-4$3,396
    W-5$3,507
    O-1E$3,246
    O-2E$3,300
    O-3E$3,366
    O-1$3,132
    O-2$3,234
    O-3$3,327
    O-4$3,483
    O-5$3,543
    O-6$3,651
    O-7$3,714

    Promoting to O-3 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 Indian Head Navordsta to New York City at O-2 is worth $1,857 a month — about 20 promotions worth of housing allowance, at $93 per grade here.

    02

    Dependency status is worth 4% 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. $3,234 a month of BAH takes more than $3,234 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.