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.
Comparison uses with-dependents rates. Differences are annual and untaxed.
Rate protection is not applied — a PCS resets you to the new location's current-year rate.
O-5 with dependents, nearest stations0 – $8,064 / month
Westchester County$8,064
Paducah$2,694
Grand Forks$2,682
Wilkes-Barre$2,676
Lincoln$2,667
China Lake$2,658
Terre Haute$2,655
Greenville$2,649
Seymour Johnson AFB$2,649
Springfield$2,649
County Cost Group 760$2,643
Memphis$2,643
Lexington$2,634
Greensboro$2,631
Fallon NAS$2,625
Gulfport$2,625
Topeka$2,619
Morgantown$2,613
Fort Bragg$2,610
Pensacola$2,610
Huntsville$2,607
Lubbock$2,604
Youngstown$1,827
Memphis is #249 of 338. The spread between the
dearest and cheapest station at this grade is $6,237 a month —
$74,844 a year, untaxed.
Every pay grade at Memphis0 – $2,679 / month
E-1$1,992
E-2$1,992
E-3$1,992
E-4$1,992
E-5$2,154
E-6$2,319
E-7$2,337
E-8$2,346
E-9$2,376
W-1$2,334
W-2$2,343
W-3$2,355
W-4$2,394
W-5$2,484
O-1E$2,340
O-2E$2,349
O-3E$2,409
O-1$2,181
O-2$2,316
O-3$2,352
O-4$2,508
O-5$2,643
O-6$2,661
O-7$2,679
The pay chart moves this allowance far less than the map does.
Moving from Memphis to Westchester County at O-5
is worth $5,421 a month — about 301 promotions at this grade.
Where you are stationed outweighs rank, by a lot.
What the rate table does not 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.