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

    E-5 with dependents at JB Lewis-McChord draws $2,556 per month in 2026

    Permalinkbahratedesk.com/jblm/e-5/with/ExcelCSVDownloads cover this station.
    Tacoma, WA
    E-5 · with dependents
    $2,556/ month
    $30,672 / year
    At E-5, this is #5 of 17 stations loaded · high San Diego $3,975 · low Fort Riley $1,314
    MHA code pending — loads with the DTMO ZIP file
    Your grade is calledARMYSGTUSMCSgtNAVYPO2USAFSSgt
    Untaxed — matching it with taxable pay takes$3,277 / mo gross
    Other dependency status here$2,121 without dependents
    In government quarters, no dependents$50.10 / mo partial
    JB Lewis-McChord — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,370$2,034
    E-2$2,370$2,034
    E-3$2,370$2,034
    E-4$2,370$2,034
    E-5$2,556$2,121
    E-6$2,919$2,199
    E-7$2,994$2,376
    E-8$3,072$2,634
    E-9$3,180$2,736
    Warrant officer
    W-1$2,940$2,313
    W-2$3,024$2,631
    W-3$3,126$2,751
    W-4$3,201$2,931
    W-5$3,297$3,009
    Officer — prior enlisted
    O-1E$3,006$2,553
    O-2E$3,108$2,712
    O-3E$3,216$2,913
    Officer
    O-1$2,607$2,178
    O-2$2,916$2,496
    O-3$3,123$2,784
    O-4$3,324$2,991
    O-5$3,471$3,030
    O-6$3,501$3,102
    O-7$3,525$3,156
    PCS compareJB Lewis-McChord · E-5 · $2,556/mo
    Fort Bragg$1,806/mo · $21,672/yr
    ▼ CUT−$750−$9,000/yr · like −$11,538 of salary

    What this rate means

    E-5 with dependents, every station0 – $3,975 / month
    San Diego$3,975
    Camp Pendleton$3,963
    Honolulu County$3,663
    JB Elmendorf-Richardson$2,874
    JB Lewis-McChord$2,556
    Norfolk$2,430
    Fort Carson$2,358
    Fort Stewart$2,310
    San Antonio (JBSA)$1,869
    Fort Campbell$1,815
    Fort Bliss$1,809
    Fort Bragg$1,806
    Fort Benning$1,716
    Fort Hood$1,695
    Fort Drum$1,665
    Camp Lejeune$1,584
    Fort Riley$1,314

    JB Lewis-McChord is #5 of 17. The spread between the dearest and cheapest station at this grade is $2,661 a month — $31,932 a year, untaxed.

    Every pay grade at JB Lewis-McChord0 – $3,525 / month
    E-1$2,370
    E-2$2,370
    E-3$2,370
    E-4$2,370
    E-5$2,556
    E-6$2,919
    E-7$2,994
    E-8$3,072
    E-9$3,180
    W-1$2,940
    W-2$3,024
    W-3$3,126
    W-4$3,201
    W-5$3,297
    O-1E$3,006
    O-2E$3,108
    O-3E$3,216
    O-1$2,607
    O-2$2,916
    O-3$3,123
    O-4$3,324
    O-5$3,471
    O-6$3,501
    O-7$3,525

    Promoting to E-6 here adds $363 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 Lewis-McChord to San Diego at E-5 is worth $1,419 a month — about 4 promotions worth of housing allowance, at $363 per grade here.

    02

    Dependency status is worth 21% 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. $2,556 a month of BAH takes more than $2,556 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.