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 $1,875 Without $1,533

E-5 at Indianapolis draws $1,875 per month with dependents in 2026, $1,533 without

Permalink bahratedesk.com/indianapolis-in/ Excel CSV
Indianapolis, IN
E-5 · with dependents
$1,875/ month
$22,500 / year
At E-5, this is #204 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA IN094 · ZIPs 46030 46031 46032 46033 46034 46037 +110 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,404 / mo gross
Without dependents here $1,533 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Indianapolis · E-5 · $1,875/mo
Indianapolis $1,875/mo · $22,500/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.

Indianapolis — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,749 $1,395
E-2 $1,749 $1,395
E-3 $1,749 $1,395
E-4 $1,749 $1,395
E-5 $1,875 $1,533
E-6 $2,208 $1,656
E-7 $2,244 $1,749
E-8 $2,283 $1,947
E-9 $2,346 $2,040
Warrant officer
W-1 $2,229 $1,716
W-2 $2,259 $1,944
W-3 $2,310 $2,055
W-4 $2,361 $2,211
W-5 $2,433 $2,250
Officer — prior enlisted
O-1E $2,247 $1,872
O-2E $2,298 $2,019
O-3E $2,373 $2,202
Officer
O-1 $1,923 $1,617
O-2 $2,205 $1,836
O-3 $2,307 $2,085
O-4 $2,451 $2,238
O-5 $2,559 $2,253
O-6 $2,577 $2,286
O-7 $2,592 $2,322

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Davis-Monthan AFB $1,905
New Orleans $1,905
Bangor $1,893
County Cost Group 790 $1,890
Fort Gordon $1,890
Helena $1,887
Mobile $1,887
Columbia $1,878
Baton Rouge $1,875
Columbus $1,875
Indianapolis $1,875
Lexington $1,875
Abilene $1,872
San Antonio (JBSA) $1,869
Pensacola $1,863
Morehead $1,851
Little Rock $1,848
Shreveport $1,845
Humboldt County $1,827
Tallahassee $1,824
Marquette $1,821
Anniston $1,185

Indianapolis is #204 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 Indianapolis0 – $2,592 / month
E-1 $1,749
E-2 $1,749
E-3 $1,749
E-4 $1,749
E-5 $1,875
E-6 $2,208
E-7 $2,244
E-8 $2,283
E-9 $2,346
W-1 $2,229
W-2 $2,259
W-3 $2,310
W-4 $2,361
W-5 $2,433
O-1E $2,247
O-2E $2,298
O-3E $2,373
O-1 $1,923
O-2 $2,205
O-3 $2,307
O-4 $2,451
O-5 $2,559
O-6 $2,577
O-7 $2,592

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

Moving from Indianapolis to San Francisco at E-5 is worth $3,252 a month — about 10 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.