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 without dependents at JB McGuire-Dix-Lakehurst draws $3,495 per month in 2026

    Permalinkbahratedesk.com/jb-mcguire-dix-lakehurst-nj/o-5/without/ExcelCSVDownloads cover this station.
    JB McGuire-Dix-Lakehurst, NJ
    O-5 · without dependents
    $3,495/ month
    $41,940 / year
    At O-5, this is #54 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA NJ204 · ZIPs 08005 08006 08008 08011 08015 08016 +53 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,481 / mo gross
    Other dependency status here$4,122 with 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 · $3,495/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▼ CUT−$561−$6,732/yr · like −$8,631 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    Boulder$3,561
    Indian Head Navordsta$3,543
    Warrenton$3,543
    Vallejo$3,513
    JB McGuire-Dix-Lakehurst$3,495
    Atlantic City$3,486
    Juneau$3,483
    Everett$3,435
    Willow Grove$3,408
    Youngstown$1,593

    JB McGuire-Dix-Lakehurst is #54 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 JB McGuire-Dix-Lakehurst0 – $3,594 / month
    E-1$2,085
    E-2$2,085
    E-3$2,085
    E-4$2,085
    E-5$2,421
    E-6$2,610
    E-7$2,715
    E-8$2,952
    E-9$3,135
    W-1$2,691
    W-2$2,949
    W-3$3,159
    W-4$3,450
    W-5$3,492
    O-1E$2,820
    O-2E$3,096
    O-3E$3,438
    O-1$2,604
    O-2$2,793
    O-3$3,219
    O-4$3,477
    O-5$3,495
    O-6$3,531
    O-7$3,594

    Promoting to O-6 here adds $36 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 $2,667 a month — about 74 promotions worth of housing allowance, at $36 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. $3,495 a month of BAH takes more than $3,495 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.