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-5 with dependents at JB McGuire-Dix-Lakehurst draws $4,122 per month in 2026

    Permalinkbahratedesk.com/jb-mcguire-dix-lakehurst-nj/o-5/with/ExcelCSVDownloads cover this station.
    JB McGuire-Dix-Lakehurst, NJ
    O-5 · with dependents
    $4,122/ month
    $49,464 / year
    At O-5, this is #53 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA NJ204 · ZIPs 08005 08006 08008 08011 08015 08016 +53 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$5,285 / mo gross
    Other dependency status here$3,495 without dependents
    In government quarters, no dependents$50.10 / mo partial
    JB McGuire-Dix-Lakehurst — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,715$2,085
    E-2$2,715$2,085
    E-3$2,715$2,085
    E-4$2,715$2,085
    E-5$2,823$2,421
    E-6$3,444$2,610
    E-7$3,486$2,715
    E-8$3,525$2,952
    E-9$3,642$3,135
    Warrant officer
    W-1$3,465$2,691
    W-2$3,501$2,949
    W-3$3,555$3,159
    W-4$3,678$3,450
    W-5$3,831$3,492
    Officer — prior enlisted
    O-1E$3,489$2,820
    O-2E$3,543$3,096
    O-3E$3,702$3,438
    Officer
    O-1$2,904$2,604
    O-2$3,438$2,793
    O-3$3,552$3,219
    O-4$3,882$3,477
    O-5$4,122$3,495
    O-6$4,155$3,531
    O-7$4,188$3,594
    PCS compareJB McGuire-Dix-Lakehurst · O-5 · $4,122/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▼ CUT−$492−$5,904/yr · like −$7,569 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Hawaii County$4,263
    Boulder$4,218
    County Cost Group 880$4,137
    Ann Arbor$4,128
    JB McGuire-Dix-Lakehurst$4,122
    Annapolis$4,101
    JB Elmendorf-Richardson$4,095
    Austin$4,095
    Chicago$4,086
    Youngstown$1,827

    JB McGuire-Dix-Lakehurst is #53 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 a year, untaxed.

    Every pay grade at JB McGuire-Dix-Lakehurst0 – $4,188 / month
    E-1$2,715
    E-2$2,715
    E-3$2,715
    E-4$2,715
    E-5$2,823
    E-6$3,444
    E-7$3,486
    E-8$3,525
    E-9$3,642
    W-1$3,465
    W-2$3,501
    W-3$3,555
    W-4$3,678
    W-5$3,831
    O-1E$3,489
    O-2E$3,543
    O-3E$3,702
    O-1$2,904
    O-2$3,438
    O-3$3,552
    O-4$3,882
    O-5$4,122
    O-6$4,155
    O-7$4,188

    Promoting to O-6 here adds $33 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 JB McGuire-Dix-Lakehurst to Westchester County at O-5 is worth $3,942 a month — about 119 promotions worth of housing allowance, at $33 per grade here.

    02

    Dependency status is worth 18% 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. $4,122 a month of BAH takes more than $4,122 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.