What is O-1 BAH at Ketchikan in 2026?

$2,880 per month with dependents ($34,560 per year), effective 01 JAN 2026. without dependents it is $2,160 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.

O-1 BAH at Ketchikan 2026 — $2,880/mo with dependents

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

Ketchikan, AK

O-1 · with dependents

$2,880/ month

$34,560 / year

At O-1, this is #65 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218

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

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$3,692 / mo gross

Other dependency status here$2,160 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

O-1 with dependents, nearest stations0 – $5,172 / month

San Francisco$5,172

Sacramento$2,922

JB McGuire-Dix-Lakehurst$2,904

County Cost Group 880$2,898

JB Elmendorf-Richardson$2,886

Ketchikan$2,880

Kodiak Island$2,877

Denver$2,874

Boulder$2,829

Everett$2,814

Youngstown$1,218

Ketchikan is #65 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 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 O-2 here adds $3 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 O-1 is worth $2,292 a month — about 764 promotions worth of housing allowance, at $3 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. $2,880 a month of BAH takes more than $2,880 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.

O-1 with dependents at Ketchikan draws $2,880 per month in 2026

What this rate means

Things the rate table doesn't tell you