What is E-5 BAH at Lubbock in 2026?

$1,476 per month with dependents ($17,712 per year), effective 01 JAN 2026. without dependents it is $1,272 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 Lubbock 2026 — $1,476/mo with dependents

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

Lubbock, TX

E-5 · with dependents

$1,476/ month

$17,712 / year

At E-5, this is #294 of 338 stations loaded · high San Francisco $5,127 · low Anniston $1,185

MHA TX283 · ZIPs 79329 79350 79363 79364 79366 79382 +26 more

Your grade is calledARMYSGTUSMCSgtNAVYPO2USAFSSgt

Untaxed — matching it with taxable pay takes$1,892 / mo gross

Other dependency status here$1,272 without dependents

In government quarters, no dependents$50.10 / mo partial

Lubbock — full sheetTap a row

Grade	With 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

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

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

Promoting to E-6 here adds $336 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 Lubbock to San Francisco at E-5 is worth $3,651 a month — about 11 promotions worth of housing allowance, at $336 per grade here.

Dependency status is worth 16% 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. $1,476 a month of BAH takes more than $1,476 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 Lubbock draws $1,476 per month in 2026

What this rate means

Things the rate table doesn't tell you