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 Knoxville draws $2,796 per month in 2026

    Permalinkbahratedesk.com/knoxville-tn/o-5/without/ExcelCSVDownloads cover this station.
    Knoxville, TN
    O-5 · without dependents
    $2,796/ month
    $33,552 / year
    At O-5, this is #117 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA TN267 · ZIPs 37701 37705 37710 37716 37717 37721 +48 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$3,585 / mo gross
    Other dependency status here$3,492 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Knoxville — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,058$1,599
    E-2$2,058$1,599
    E-3$2,058$1,599
    E-4$2,058$1,599
    E-5$2,184$1,809
    E-6$2,649$1,986
    E-7$2,745$2,061
    E-8$2,844$2,283
    E-9$3,000$2,418
    Warrant officer
    W-1$2,670$2,028
    W-2$2,784$2,280
    W-3$2,907$2,436
    W-4$3,036$2,667
    W-5$3,195$2,766
    Officer — prior enlisted
    O-1E$2,760$2,181
    O-2E$2,889$2,388
    O-3E$3,060$2,643
    Officer
    O-1$2,247$1,929
    O-2$2,646$2,148
    O-3$2,904$2,481
    O-4$3,243$2,742
    O-5$3,492$2,796
    O-6$3,519$2,886
    O-7$3,543$2,934
    PCS compareKnoxville · O-5 · $2,796/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▲ RAISE+$138+$1,656/yr · like +$2,123 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    Corvallis$2,826
    Dallas$2,826
    Rome$2,811
    County Cost Group 840$2,796
    Knoxville$2,796
    Asheville$2,793
    Coastal Maine$2,790
    Dahlgren$2,781
    Reno$2,736
    Youngstown$1,593

    Knoxville is #117 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 a year, untaxed.

    Every pay grade at Knoxville0 – $2,934 / month
    E-1$1,599
    E-2$1,599
    E-3$1,599
    E-4$1,599
    E-5$1,809
    E-6$1,986
    E-7$2,061
    E-8$2,283
    E-9$2,418
    W-1$2,028
    W-2$2,280
    W-3$2,436
    W-4$2,667
    W-5$2,766
    O-1E$2,181
    O-2E$2,388
    O-3E$2,643
    O-1$1,929
    O-2$2,148
    O-3$2,481
    O-4$2,742
    O-5$2,796
    O-6$2,886
    O-7$2,934

    Promoting to O-6 here adds $90 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 Knoxville to Westchester County at O-5 is worth $3,366 a month — about 37 promotions worth of housing allowance, at $90 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. $2,796 a month of BAH takes more than $2,796 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.