What is O-5 BAH at Jacksonville in 2026?

$2,301 per month without dependents ($27,612 per year), effective 01 JAN 2026. with dependents it is $2,736 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-5 BAH at Jacksonville 2026 — $2,301/mo without dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Jacksonville, FL

O-5 · without dependents

$2,301/ month

$27,612 / year

At O-5, this is #205 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593

MHA FL058 · ZIPs 32003 32004 32006 32030 32033 32043 +70 more

Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col

Untaxed — matching it with taxable pay takes$2,950 / mo gross

Other dependency status here$2,736 with dependents

In government quarters, no dependents$50.10 / mo partial

Jacksonville — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,046	$1,623
E-2	$2,046	$1,623
E-3	$2,046	$1,623
E-4	$2,046	$1,623
E-5	$2,181	$1,803
E-6	$2,241	$1,920
E-7	$2,283	$2,049
E-8	$2,331	$2,199
E-9	$2,424	$2,205
Warrant officer
W-1	$2,256	$2,010
W-2	$2,301	$2,196
W-3	$2,367	$2,208
W-4	$2,445	$2,241
W-5	$2,550	$2,292
Officer — prior enlisted
O-1E	$2,289	$2,178
O-2E	$2,355	$2,202
O-3E	$2,463	$2,229
Officer
O-1	$2,196	$1,908
O-2	$2,238	$2,139
O-3	$2,364	$2,211
O-4	$2,580	$2,277
O-5	$2,736	$2,301
O-6	$2,757	$2,343
O-7	$2,775	$2,382

What this rate means

O-5 without dependents, nearest stations0 – $6,162 / month

Westchester County$6,162

Boise$2,319

Waco$2,319

Kings Bay$2,304

Fort Knox$2,301

Jacksonville$2,301

Nellis AFB$2,301

Bismarck$2,292

Ogden$2,292

Fort Leavenworth$2,283

Youngstown$1,593

Jacksonville is #205 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 a year, untaxed.

Every pay grade at Jacksonville0 – $2,382 / month

E-1$1,623

E-2$1,623

E-3$1,623

E-4$1,623

E-5$1,803

E-6$1,920

E-7$2,049

E-8$2,199

E-9$2,205

W-1$2,010

W-2$2,196

W-3$2,208

W-4$2,241

W-5$2,292

O-1E$2,178

O-2E$2,202

O-3E$2,229

O-1$1,908

O-2$2,139

O-3$2,211

O-4$2,277

O-5$2,301

O-6$2,343

O-7$2,382

Promoting to O-6 here adds $42 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Jacksonville to Westchester County at O-5 is worth $3,861 a month — about 92 promotions worth of housing allowance, at $42 per grade here.

Dependency status is worth 19% 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.

None of it is taxed. $2,301 a month of BAH takes more than $2,301 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-5 without dependents at Jacksonville draws $2,301 per month in 2026

What this rate means

Things the rate table doesn't tell you