What is O-5 BAH at Lexington in 2026?

$2,841 per month with dependents ($34,092 per year), effective 01 JAN 2026. Without dependents it is $2,175 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-5 BAH at Lexington 2026 — $2,841 with dependents, $2,175 without

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

Lexington, KY

O-5 · with dependents

$2,841/ month

$34,092 / year

At O-5, this is #203 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827

MHA KY107 · ZIPs 40502 40503 40504 40505 40506 40507 +33 more

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Untaxed — matching it with taxable pay takes$3,642 / mo gross

Without dependents here$2,175 / mo

In government quarters, no dependents$50.10 / mo partial

Lexington — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,713	$1,284
E-2	$1,713	$1,284
E-3	$1,713	$1,284
E-4	$1,713	$1,284
E-5	$1,875	$1,440
E-6	$2,151	$1,611
E-7	$2,172	$1,716
E-8	$2,190	$1,938
E-9	$2,304	$2,010
Warrant officer
W-1	$2,169	$1,668
W-2	$2,178	$1,935
W-3	$2,208	$2,022
W-4	$2,343	$2,148
W-5	$2,514	$2,172
Officer — prior enlisted
O-1E	$2,175	$1,872
O-2E	$2,196	$1,995
O-3E	$2,370	$2,142
Officer
O-1	$1,917	$1,545
O-2	$2,148	$1,824
O-3	$2,205	$2,049
O-4	$2,571	$2,160
O-5	$2,841	$2,175
O-6	$2,862	$2,181
O-7	$2,880	$2,217

What this rate means

O-5 with dependents, nearest stations0 – $8,064 / month

Westchester County$8,064

Rock Island$2,868

Rapid City$2,850

Fayetteville$2,847

Kansas City$2,847

Lexington$2,841

Lemoore NAS$2,835

Birmingham$2,826

Champaign$2,820

Eastern Shore$2,820

Youngstown$1,827

Lexington is #203 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 a year, untaxed.

Every pay grade at Lexington0 – $2,880 / month

E-1$1,713

E-2$1,713

E-3$1,713

E-4$1,713

E-5$1,875

E-6$2,151

E-7$2,172

E-8$2,190

E-9$2,304

W-1$2,169

W-2$2,178

W-3$2,208

W-4$2,343

W-5$2,514

O-1E$2,175

O-2E$2,196

O-3E$2,370

O-1$1,917

O-2$2,148

O-3$2,205

O-4$2,571

O-5$2,841

O-6$2,862

O-7$2,880

Promoting to O-6 here adds $21 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 Lexington to Westchester County at O-5 is worth $5,223 a month — about 249 promotions worth of housing allowance, at $21 per grade here.

Dependency status is worth 31% 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. $2,841 a month of BAH takes more than $2,841 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-5 at Lexington draws $2,841 per month with dependents in 2026, $2,175 without

What this rate means

Things the rate table doesn't tell you