What is E-5 BAH at Ketchikan in 2026?

$2,868 per month with dependents ($34,416 per year), effective 01 JAN 2026. without dependents it is $2,151 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

E-5 BAH at Ketchikan 2026 — $2,868/mo with dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Ketchikan, AK

E-5 · with dependents

$2,868/ month

$34,416 / year

At E-5, this is #62 of 338 stations loaded · high San Francisco $5,127 · low Anniston $1,185

MHA AK400 · ZIPs 99830 99833 99901 99903 99918 99919 +9 more

Your grade is calledARMYSGTUSMCSgtNAVYPO2USAFSSgt

Untaxed — matching it with taxable pay takes$3,677 / mo gross

Other dependency status here$2,151 without dependents

In government quarters, no dependents$50.10 / mo partial

Ketchikan — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,646	$1,986
E-2	$2,646	$1,986
E-3	$2,646	$1,986
E-4	$2,646	$1,986
E-5	$2,868	$2,151
E-6	$2,886	$2,163
E-7	$3,027	$2,382
E-8	$3,213	$2,682
E-9	$3,441	$2,739
Warrant officer
W-1	$2,889	$2,289
W-2	$3,102	$2,679
W-3	$3,336	$2,751
W-4	$3,480	$2,892
W-5	$3,660	$3,069
Officer — prior enlisted
O-1E	$3,060	$2,631
O-2E	$3,300	$2,727
O-3E	$3,510	$2,847
Officer
O-1	$2,880	$2,160
O-2	$2,883	$2,550
O-3	$3,327	$2,772
O-4	$3,720	$3,036
O-5	$4,002	$3,141
O-6	$4,035	$3,315
O-7	$4,065	$3,372

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month

San Francisco$5,127

Sacramento$2,904

Fort G. G. Meade$2,901

Hartford$2,901

JB Elmendorf-Richardson$2,874

Ketchikan$2,868

Kodiak Island$2,865

County Cost Group 880$2,850

Newport$2,847

Denver$2,841

Anniston$1,185

Ketchikan is #62 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Ketchikan0 – $4,065 / month

E-1$2,646

E-2$2,646

E-3$2,646

E-4$2,646

E-5$2,868

E-6$2,886

E-7$3,027

E-8$3,213

E-9$3,441

W-1$2,889

W-2$3,102

W-3$3,336

W-4$3,480

W-5$3,660

O-1E$3,060

O-2E$3,300

O-3E$3,510

O-1$2,880

O-2$2,883

O-3$3,327

O-4$3,720

O-5$4,002

O-6$4,035

O-7$4,065

Promoting to E-6 here adds $18 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Ketchikan to San Francisco at E-5 is worth $2,259 a month — about 126 promotions worth of housing allowance, at $18 per grade here.

Dependency status is worth 33% 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.

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.

Things the rate table doesn't tell you

“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.

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.

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.

E-5 with dependents at Ketchikan draws $2,868 per month in 2026

What this rate means

Things the rate table doesn't tell you