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 without dependents at Memphis draws $2,103 per month in 2026

    Permalinkbahratedesk.com/memphis-tn/o-2/without/ExcelCSVDownloads cover this station.
    Memphis, TN
    O-2 · without dependents
    $2,103/ month
    $25,236 / year
    At O-2, this is #154 of 338 stations loaded · high New York City $5,091 · low Youngstown $1,176
    MHA TN268 · ZIPs 37501 37544 38002 38004 38011 38014 +79 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$2,696 / mo gross
    Other dependency status here$2,316 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Memphis — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,992$1,530
    E-2$1,992$1,530
    E-3$1,992$1,530
    E-4$1,992$1,530
    E-5$2,154$1,719
    E-6$2,319$1,839
    E-7$2,337$1,995
    E-8$2,346$2,193
    E-9$2,376$2,232
    Warrant officer
    W-1$2,334$1,944
    W-2$2,343$2,190
    W-3$2,355$2,238
    W-4$2,394$2,310
    W-5$2,484$2,322
    Officer — prior enlisted
    O-1E$2,340$2,151
    O-2E$2,349$2,220
    O-3E$2,409$2,307
    Officer
    O-1$2,181$1,824
    O-2$2,316$2,103
    O-3$2,352$2,253
    O-4$2,508$2,313
    O-5$2,643$2,325
    O-6$2,661$2,328
    O-7$2,679$2,343
    PCS compareMemphis · O-2 · $2,103/mo
    Aberdeen Proving Grounds$2,412/mo · $28,944/yr
    ▲ RAISE+$309+$3,708/yr · like +$4,754 of salary

    What this rate means

    O-2 without dependents, nearest stations0 – $5,091 / month
    New York City$5,091
    Houston$2,124
    Charlotte$2,118
    County Cost Group 820$2,118
    Spokane$2,106
    Memphis$2,103
    Kings Bay$2,097
    Rome$2,097
    Grand Rapids$2,085
    Durham$2,082
    Youngstown$1,176

    Memphis is #154 of 338. The spread between the dearest and cheapest station at this grade is $3,915 a month — $46,980 a year, untaxed.

    Every pay grade at Memphis0 – $2,343 / month
    E-1$1,530
    E-2$1,530
    E-3$1,530
    E-4$1,530
    E-5$1,719
    E-6$1,839
    E-7$1,995
    E-8$2,193
    E-9$2,232
    W-1$1,944
    W-2$2,190
    W-3$2,238
    W-4$2,310
    W-5$2,322
    O-1E$2,151
    O-2E$2,220
    O-3E$2,307
    O-1$1,824
    O-2$2,103
    O-3$2,253
    O-4$2,313
    O-5$2,325
    O-6$2,328
    O-7$2,343

    Promoting to O-3 here adds $150 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 Memphis to New York City at O-2 is worth $2,988 a month — about 20 promotions worth of housing allowance, at $150 per grade here.

    02

    Dependency status is worth 10% 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. $2,103 a month of BAH takes more than $2,103 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.