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

Press Enter to look it up.

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
With $1,476 Without $1,272

E-5 at Lubbock draws $1,476 per month with dependents in 2026, $1,272 without

Permalink bahratedesk.com/lubbock-tx/ Excel CSV
Lubbock, TX
E-5 · with dependents
$1,476/ month
$17,712 / year
At E-5, this is #294 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA TX283 · ZIPs 79329 79350 79363 79364 79366 79382 +26 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $1,892 / mo gross
Without dependents here $1,272 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Lubbock · E-5 · $1,476/mo
Lubbock $1,476/mo · $17,712/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Lubbock — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,416 $1,146
E-2 $1,416 $1,146
E-3 $1,416 $1,146
E-4 $1,416 $1,146
E-5 $1,476 $1,272
E-6 $1,812 $1,356
E-7 $1,875 $1,413
E-8 $1,941 $1,548
E-9 $2,082 $1,641
Warrant officer
W-1 $1,830 $1,407
W-2 $1,902 $1,545
W-3 $1,986 $1,656
W-4 $2,121 $1,821
W-5 $2,289 $1,887
Officer — prior enlisted
O-1E $1,884 $1,473
O-2E $1,971 $1,620
O-3E $2,145 $1,803
Officer
O-1 $1,524 $1,350
O-2 $1,809 $1,461
O-3 $1,983 $1,689
O-4 $2,343 $1,869
O-5 $2,604 $1,953
O-6 $2,622 $1,968
O-7 $2,637 $1,995

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Beaumont $1,518
County Cost Group 710 $1,515
Brownsville $1,503
Saginaw $1,503
Sumter $1,503
County Cost Group 700 $1,497
Terre Haute $1,494
Wichita Fls $1,491
County Cost Group 690 $1,482
Fort Leonard Wood $1,479
Lubbock $1,476
County Cost Group 680 $1,470
Laughlin AFB $1,470
Erie $1,464
County Cost Group 670 $1,461
County Cost Group 660 $1,449
County Cost Group 650 $1,443
County Cost Group 640 $1,434
County Cost Group 630 $1,425
County Cost Group 620 $1,419
County Cost Group 610 $1,410
Anniston $1,185

Lubbock is #294 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 Lubbock0 – $2,637 / month
E-1 $1,416
E-2 $1,416
E-3 $1,416
E-4 $1,416
E-5 $1,476
E-6 $1,812
E-7 $1,875
E-8 $1,941
E-9 $2,082
W-1 $1,830
W-2 $1,902
W-3 $1,986
W-4 $2,121
W-5 $2,289
O-1E $1,884
O-2E $1,971
O-3E $2,145
O-1 $1,524
O-2 $1,809
O-3 $1,983
O-4 $2,343
O-5 $2,604
O-6 $2,622
O-7 $2,637

The pay chart moves this allowance far less than the map does.

Moving from Lubbock to San Francisco at E-5 is worth $3,651 a month — about 11 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.