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-6 with dependents at Kansas City draws $2,868 per month in 2026

    Permalinkbahratedesk.com/kansas-city-mo/o-6/with/ExcelCSVDownloads cover this station.
    Kansas City, MO
    O-6 · with dependents
    $2,868/ month
    $34,416 / year
    At O-6, this is #202 of 338 stations loaded · high Westchester County $8,136 · low Youngstown $1,839
    MHA MO160 · ZIPs 64002 64012 64013 64014 64015 64016 +163 more
    Your grade is calledARMYCOLUSMCColNAVYCAPTUSAFCol
    Untaxed — matching it with taxable pay takes$3,677 / mo gross
    Other dependency status here$2,289 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Kansas City — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,845$1,419
    E-2$1,845$1,419
    E-3$1,845$1,419
    E-4$1,845$1,419
    E-5$1,986$1,596
    E-6$2,175$1,713
    E-7$2,223$1,848
    E-8$2,277$2,031
    E-9$2,397$2,076
    Warrant officer
    W-1$2,190$1,806
    W-2$2,244$2,028
    W-3$2,313$2,085
    W-4$2,430$2,178
    W-5$2,574$2,232
    Officer — prior enlisted
    O-1E$2,229$1,983
    O-2E$2,301$2,064
    O-3E$2,451$2,163
    Officer
    O-1$2,019$1,701
    O-2$2,172$1,944
    O-3$2,310$2,103
    O-4$2,622$2,217
    O-5$2,847$2,241
    O-6$2,868$2,289
    O-7$2,889$2,328
    PCS compareKansas City · O-6 · $2,868/mo
    Aberdeen Proving Grounds$3,660/mo · $43,920/yr
    ▲ RAISE+$792+$9,504/yr · like +$12,185 of salary

    What this rate means

    O-6 with dependents, every station0 – $8,136 / month
    Westchester County$8,136
    New York City$7,194
    San Francisco$7,155
    Nantucket$6,993
    Boston$6,540
    Maui County$6,435
    Santa Clara County$6,387
    Florida Keys$6,267
    Hanscom AFB$6,141
    Northern New Jersey$6,042
    Kauai County$5,943
    Essex CO$5,904
    Long Island$5,874
    Miami$5,814
    Martha's Vineyard$5,694
    Monterey$5,613
    San Diego$5,541
    Los Angeles$5,481
    San Luis Obispo$5,475
    Staten Island$5,442
    Camp Pendleton$5,439
    Portsmouth$5,400
    Trenton$5,379
    West Point$5,298
    Portland$5,280
    Cape Cod-Plymouth$5,241
    Oakland$5,178
    Fort Monmouth$5,028
    Fitchburg$5,010
    Honolulu County$5,001
    Perth Amboy$4,968
    Marin$4,905
    Burlington$4,896
    Seattle$4,836
    Ventura$4,830
    West Palm Beach$4,824
    Manchester$4,746
    Washington$4,731
    Worcester$4,725
    Newport$4,707
    Warrenton$4,638
    New Haven$4,629
    Providence$4,572
    County Cost Group 890$4,569
    Hartford$4,431
    Vandenberg SFB$4,392
    Atlantic City$4,332
    Indian Head Navordsta$4,314
    Hawaii County$4,299
    Boulder$4,254
    County Cost Group 880$4,170
    Ann Arbor$4,161
    JB McGuire-Dix-Lakehurst$4,155
    Annapolis$4,134
    JB Elmendorf-Richardson$4,131
    Austin$4,131
    Chicago$4,122
    Juneau$4,110
    Quantico$4,098
    Stockton$4,080
    Santa Fe$4,056
    Fort G. G. Meade$4,047
    Ketchikan$4,035
    Riverside$4,035
    Madison$4,026
    Hampden County$4,011
    Cape May$4,002
    Everett$3,969
    Willow Grove$3,969
    Vallejo$3,960
    New London$3,939
    Brunswick$3,927
    County Cost Group 870$3,915
    Edwards AFB$3,870
    Kodiak Island$3,861
    Milwaukee$3,861
    Fort Detrick$3,837
    San Bernardino$3,828
    Ballston Spa$3,807
    Corvallis$3,801
    Sitka$3,798
    Philadelphia$3,789
    Asheville$3,753
    Baltimore$3,741
    Portland$3,732
    Outer Banks$3,726
    Astoria$3,702
    County Cost Group 860$3,702
    Oxford$3,693
    Fort Pierce$3,675
    Great Lakes Navtracen$3,675
    Aberdeen Proving Grounds$3,660
    Eglin AFB$3,642
    Denver$3,615
    County Cost Group 850$3,600
    Detroit$3,582
    Charlottesville$3,567
    Dahlgren$3,564
    Bridgeport$3,552
    Sacramento$3,552
    College Station$3,540
    Fort Myers Beach$3,531
    Beale AFB$3,522
    Knoxville$3,519
    JB Lewis-McChord$3,501
    Allentown$3,492
    County Cost Group 840$3,486
    Beaufort$3,465
    Port Angeles$3,462
    Fresno$3,441
    Bremerton$3,438
    Pittsburgh$3,435
    Fairbanks$3,432
    Whidbey Island$3,429
    Tampa$3,417
    Traverse City$3,417
    Minneapolis$3,411
    County Cost Group 830$3,393
    Reno$3,384
    Buffalo$3,351
    Eugene$3,351
    Norfolk$3,342
    Patuxent River$3,327
    Wilmington$3,327
    Twenty Nine Palms MCB$3,318
    Houston$3,312
    Humboldt County$3,312
    Gainesville$3,300
    Patrick SFB$3,294
    Elizabeth City$3,288
    St. Louis$3,285
    Orlando$3,282
    County Cost Group 820$3,279
    Savannah$3,273
    Rome$3,267
    Yakima$3,267
    Abilene$3,258
    Durham$3,258
    Helena$3,258
    Omaha$3,258
    Richmond$3,255
    Salem$3,252
    Bloomington$3,249
    Rochester$3,249
    Cleveland$3,246
    Nashville$3,243
    Chattanooga$3,228
    Syracuse$3,225
    Spokane$3,222
    Dallas$3,216
    Coastal Maine$3,207
    State College$3,207
    Fort Collins$3,189
    Barstow$3,168
    County Cost Group 810$3,153
    Fort Stewart$3,153
    Coos Bay$3,141
    Hampton$3,123
    Tallahassee$3,123
    Salt Lake City$3,120
    Waco$3,117
    Jackson$3,108
    Dover AFB$3,105
    Carlisle Barracks$3,093
    Cincinnati$3,084
    New Orleans$3,084
    Panama City$3,084
    Charleston$3,060
    Eastern Panhandle$3,051
    Fort Campbell$3,030
    County Cost Group 800$3,021
    Myrtle Beach$3,006
    Battle Creek$2,997
    El Centro$2,997
    Louisville$2,997
    Volusia County$2,991
    Corpus Christi$2,988
    Atlanta$2,985
    Wichita Fls$2,979
    Columbus$2,973
    Grand Rapids$2,970
    Fort Knox$2,964
    Auburn$2,955
    Scott AFB$2,952
    Ocala$2,943
    Cheyenne$2,937
    Kings Bay$2,937
    Fort Carson$2,934
    Grand Haven$2,934
    County Cost Group 790$2,928
    Des Moines$2,925
    Fargo$2,925
    Mountain Home AFB$2,925
    Provo$2,925
    Johnson City$2,919
    Morehead$2,919
    Dahlonega$2,916
    Albuquerque$2,892
    Rock Island$2,892
    Rapid City$2,871
    Fayetteville$2,868
    Kansas City$2,868
    Lexington$2,862
    Lemoore NAS$2,856
    Birmingham$2,847
    Champaign$2,841
    Eastern Shore$2,841
    Lansing$2,841
    Laughlin AFB$2,841
    Bangor$2,835
    Marquette$2,832
    Toledo$2,832
    County Cost Group 780$2,829
    Duluth$2,829
    Fort Worth$2,814
    Fort Gordon$2,808
    Roanoke$2,808
    Fort Drum$2,805
    Shreveport$2,799
    Nellis AFB$2,796
    Phoenix$2,796
    Tulsa$2,787
    Boise$2,784
    Baton Rouge$2,769
    Fort Hood$2,769
    Fort Rucker$2,760
    Jacksonville$2,757
    Raleigh$2,757
    County Cost Group 770$2,751
    Mobile$2,751
    Columbia$2,745
    Fort Wayne$2,745
    Malmstrom SFB$2,745
    Brownsville$2,742
    Akron$2,736
    Whiteman AFB$2,736
    Ogden$2,733
    Robins AFB$2,730
    Wright-Patterson AFB$2,724
    Paducah$2,712
    Grand Forks$2,703
    Wilkes-Barre$2,697
    Lincoln$2,688
    China Lake$2,676
    Terre Haute$2,676
    Greenville$2,670
    Springfield$2,670
    Seymour Johnson AFB$2,667
    County Cost Group 760$2,661
    Memphis$2,661
    Lexington$2,652
    Greensboro$2,649
    Fallon NAS$2,643
    Gulfport$2,643
    Topeka$2,637
    Morgantown$2,631
    Pensacola$2,631
    Fort Bragg$2,628
    Huntsville$2,625
    Lubbock$2,622
    Little Rock$2,619
    Sault Ste Marie$2,613
    Fort Leavenworth$2,610
    Moody AFB$2,607
    Sumter$2,607
    Columbia$2,604
    County Cost Group 750$2,601
    Charlotte$2,595
    Montgomery$2,583
    St Mary And Terrebonne$2,583
    Indianapolis$2,577
    Beaumont$2,571
    Camp Lejeune$2,571
    Davis-Monthan AFB$2,568
    Albany$2,550
    County Cost Group 740$2,538
    Sioux Falls$2,529
    Minot AFB$2,526
    Alexandria$2,514
    Columbus AFB$2,511
    Lafayette$2,502
    Fort Huachuca$2,499
    County Cost Group 730$2,496
    Lake Charles$2,490
    Fort Benning$2,487
    Fort Bliss$2,484
    Charleston$2,481
    Peoria$2,481
    San Antonio (JBSA)$2,475
    Yuma$2,472
    County Cost Group 720$2,466
    Wichita$2,463
    County Cost Group 710$2,442
    Goodfellow AFB$2,433
    Springfield$2,430
    Vance AFB$2,430
    County Cost Group 700$2,418
    County Cost Group 690$2,400
    Meridian$2,400
    Bismarck$2,397
    Holloman AFB$2,394
    Fort Chaffee$2,388
    Hattiesburg$2,388
    County Cost Group 680$2,385
    White Sands MR$2,376
    County Cost Group 670$2,373
    Altus AFB$2,358
    County Cost Group 660$2,358
    Oklahoma City$2,355
    County Cost Group 650$2,346
    Fort Riley$2,340
    County Cost Group 640$2,337
    County Cost Group 630$2,325
    County Cost Group 620$2,316
    County Cost Group 610$2,307
    County Cost Group 600$2,298
    Fort Sill$2,286
    County Cost Group 590$2,283
    Fort Polk$2,277
    County Cost Group 580$2,268
    County Cost Group 570$2,253
    County Cost Group 560$2,241
    Erie$2,241
    Fort Leonard Wood$2,238
    Sparta$2,238
    County Cost Group 550$2,229
    County Cost Group 540$2,220
    Frankfort$2,214
    County Cost Group 530$2,211
    County Cost Group 520$2,205
    Huntington$2,205
    County Cost Group 510$2,199
    Anniston$2,130
    Monroe$2,055
    Saginaw$2,022
    Stevens Point$2,010
    Cannon AFB$1,956
    Youngstown$1,839

    Kansas City is #202 of 338. The spread between the dearest and cheapest station at this grade is $6,297 a month — $75,564 a year, untaxed.

    Every pay grade at Kansas City0 – $2,889 / month
    E-1$1,845
    E-2$1,845
    E-3$1,845
    E-4$1,845
    E-5$1,986
    E-6$2,175
    E-7$2,223
    E-8$2,277
    E-9$2,397
    W-1$2,190
    W-2$2,244
    W-3$2,313
    W-4$2,430
    W-5$2,574
    O-1E$2,229
    O-2E$2,301
    O-3E$2,451
    O-1$2,019
    O-2$2,172
    O-3$2,310
    O-4$2,622
    O-5$2,847
    O-6$2,868
    O-7$2,889

    Promoting to O-7 here adds $21 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 Kansas City to Westchester County at O-6 is worth $5,268 a month — about 251 promotions worth of housing allowance, at $21 per grade here.

    02

    Dependency status is worth 25% 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. $2,868 a month of BAH takes more than $2,868 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.