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-2 with dependents at Manchester draws $3,522 per month in 2026

    Permalinkbahratedesk.com/manchester-concord-nh/o-2/with/ExcelCSVDownloads cover this station.
    Manchester/Concord, NH
    O-2 · with dependents
    $3,522/ month
    $42,264 / year
    At O-2, this is #42 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332
    MHA NH195 · ZIPs 03031 03033 03043 03045 03046 03047 +63 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$4,515 / mo gross
    Other dependency status here$3,120 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Manchester — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,994$2,250
    E-2$2,994$2,250
    E-3$2,994$2,250
    E-4$2,994$2,250
    E-5$3,177$2,613
    E-6$3,525$2,823
    E-7$3,783$2,997
    E-8$4,065$3,252
    E-9$4,320$3,348
    Warrant officer
    W-1$3,546$2,940
    W-2$3,897$3,249
    W-3$4,245$3,363
    W-4$4,347$3,582
    W-5$4,473$3,846
    Officer — prior enlisted
    O-1E$3,837$3,174
    O-2E$4,194$3,327
    O-3E$4,365$3,516
    Officer
    O-1$3,225$2,805
    O-2$3,522$3,120
    O-3$4,233$3,396
    O-4$4,512$3,801
    O-5$4,707$3,960
    O-6$4,746$4,224
    O-7$4,782$4,299
    PCS compareManchester · O-2 · $3,522/mo
    Aberdeen Proving Grounds$2,739/mo · $32,868/yr
    ▼ CUT−$783−$9,396/yr · like −$12,046 of salary

    What this rate means

    O-2 with dependents, nearest stations0 – $5,451 / month
    San Francisco$5,451
    Vandenberg SFB$3,639
    West Palm Beach$3,603
    Portland$3,573
    Riverside$3,546
    Manchester$3,522
    County Cost Group 890$3,519
    Vallejo$3,495
    Fitchburg$3,465
    Providence$3,453
    Youngstown$1,332

    Manchester is #42 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 a year, untaxed.

    Every pay grade at Manchester0 – $4,782 / month
    E-1$2,994
    E-2$2,994
    E-3$2,994
    E-4$2,994
    E-5$3,177
    E-6$3,525
    E-7$3,783
    E-8$4,065
    E-9$4,320
    W-1$3,546
    W-2$3,897
    W-3$4,245
    W-4$4,347
    W-5$4,473
    O-1E$3,837
    O-2E$4,194
    O-3E$4,365
    O-1$3,225
    O-2$3,522
    O-3$4,233
    O-4$4,512
    O-5$4,707
    O-6$4,746
    O-7$4,782

    Promoting to O-3 here adds $711 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 Manchester to San Francisco at O-2 is worth $1,929 a month — about 3 promotions worth of housing allowance, at $711 per grade here.

    02

    Dependency status is worth 13% 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. $3,522 a month of BAH takes more than $3,522 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.