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 Elmendorf-Richardson draws $3,162 per month in 2026

    Permalinkbahratedesk.com/jber/o-5/without/ExcelCSVDownloads cover this station.
    Anchorage, AK
    O-5 · without dependents
    $3,162/ month
    $37,944 / year
    At O-5, this is #4 of 17 stations loaded · high Camp Pendleton $4,548 · low Fort Riley $1,875
    MHA code pending — loads with the DTMO ZIP file
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,054 / mo gross
    Other dependency status here$4,095 with dependents
    In government quarters, no dependents$50.10 / mo partial
    MHA

    Alaska is BAH, not OHA — a common mix-up when people see 'overseas-feeling' duty stations.

    JB Elmendorf-Richardson — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,277$1,707
    E-2$2,277$1,707
    E-3$2,277$1,707
    E-4$2,277$1,707
    E-5$2,874$2,157
    E-6$2,892$2,169
    E-7$3,045$2,283
    E-8$3,240$2,430
    E-9$3,486$2,616
    Warrant officer
    W-1$2,895$2,172
    W-2$3,123$2,385
    W-3$3,369$2,619
    W-4$3,528$2,901
    W-5$3,723$3,087
    Officer — prior enlisted
    O-1E$3,078$2,310
    O-2E$3,333$2,523
    O-3E$3,558$2,853
    Officer
    O-1$2,886$2,166
    O-2$2,889$2,286
    O-3$3,360$2,643
    O-4$3,789$3,051
    O-5$4,095$3,162
    O-6$4,131$3,348
    O-7$4,161$3,405
    PCS compareJB Elmendorf-Richardson · O-5 · $3,162/mo
    Fort Bragg$2,109/mo · $25,308/yr
    ▼ CUT−$1,053−$12,636/yr · like −$16,200 of salary

    What this rate means

    O-5 without dependents, every station0 – $4,548 / month
    Camp Pendleton$4,548
    San Diego$4,458
    Honolulu County$4,224
    JB Elmendorf-Richardson$3,162
    JB Lewis-McChord$3,030
    Norfolk$2,625
    Fort Stewart$2,520
    Fort Carson$2,517
    Fort Campbell$2,334
    Fort Drum$2,244
    Fort Bliss$2,172
    Fort Hood$2,169
    Fort Bragg$2,109
    San Antonio (JBSA)$2,100
    Camp Lejeune$2,016
    Fort Benning$2,013
    Fort Riley$1,875

    JB Elmendorf-Richardson is #4 of 17. The spread between the dearest and cheapest station at this grade is $2,673 a month — $32,076 a year, untaxed.

    Every pay grade at JB Elmendorf-Richardson0 – $3,405 / month
    E-1$1,707
    E-2$1,707
    E-3$1,707
    E-4$1,707
    E-5$2,157
    E-6$2,169
    E-7$2,283
    E-8$2,430
    E-9$2,616
    W-1$2,172
    W-2$2,385
    W-3$2,619
    W-4$2,901
    W-5$3,087
    O-1E$2,310
    O-2E$2,523
    O-3E$2,853
    O-1$2,166
    O-2$2,286
    O-3$2,643
    O-4$3,051
    O-5$3,162
    O-6$3,348
    O-7$3,405

    Promoting to O-6 here adds $186 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 Elmendorf-Richardson to Camp Pendleton at O-5 is worth $1,386 a month — about 7 promotions worth of housing allowance, at $186 per grade here.

    02

    Dependency status is worth 30% 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. $3,162 a month of BAH takes more than $3,162 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.