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-5 without dependents at Memphis draws $2,325 per month in 2026

    Permalinkbahratedesk.com/memphis-tn/o-5/without/ExcelCSVDownloads cover this station.
    Memphis, TN
    O-5 · without dependents
    $2,325/ month
    $27,900 / year
    At O-5, this is #200 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA TN268 · ZIPs 37501 37544 38002 38004 38011 38014 +79 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$2,981 / mo gross
    Other dependency status here$2,643 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-5 · $2,325/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▲ RAISE+$609+$7,308/yr · like +$9,369 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    Des Moines$2,334
    Fort Campbell$2,334
    Louisville$2,331
    Bangor$2,328
    Memphis$2,325
    Boise$2,319
    Waco$2,319
    Kings Bay$2,304
    Fort Knox$2,301
    Youngstown$1,593

    Memphis is #200 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 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-6 here adds $3 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 Westchester County at O-5 is worth $3,837 a month — about 1279 promotions worth of housing allowance, at $3 per grade here.

    02

    Dependency status is worth 14% 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. $2,325 a month of BAH takes more than $2,325 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.