What is O-2E BAH at Lubbock in 2026?

$1,971 per month with dependents ($23,652 per year), effective 01 JAN 2026. without dependents it is $1,620 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-2E BAH at Lubbock 2026 — $1,971/mo with dependents

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

Lubbock, TX

O-2E · with dependents

$1,971/ month

$23,652 / year

At O-2E, this is #292 of 338 stations loaded · high Westchester County $6,564 · low Anniston $1,671

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

Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt

Untaxed — matching it with taxable pay takes$2,527 / mo gross

Other dependency status here$1,620 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

O-2E with dependents, nearest stations0 – $6,564 / month

Westchester County$6,564

St Mary And Terrebonne$1,986

County Cost Group 700$1,983

Akron$1,971

Little Rock$1,971

Lubbock$1,971

County Cost Group 690$1,968

Oklahoma City$1,965

County Cost Group 680$1,956

Lake Charles$1,956

Anniston$1,671

Lubbock is #292 of 338. The spread between the dearest and cheapest station at this grade is $4,893 a month — $58,716 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 O-3E here adds $174 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 Westchester County at O-2E is worth $4,593 a month — about 26 promotions worth of housing allowance, at $174 per grade here.

Dependency status is worth 22% 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. $1,971 a month of BAH takes more than $1,971 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-2E with dependents at Lubbock draws $1,971 per month in 2026

What this rate means

Things the rate table doesn't tell you