What is O-2 BAH at Minneapolis in 2026?

$2,778 per month with dependents ($33,336 per year), effective 01 JAN 2026. Without dependents it is $2,445 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-2 BAH at Minneapolis 2026 — $2,778 with dependents, $2,445 without

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

Minneapolis/St Paul, MN

O-2 · with dependents

$2,778/ month

$33,336 / year

At O-2, this is #102 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332

MHA MN159 · ZIPs 55001 55003 55005 55010 55011 55014 +179 more

Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt

Untaxed — matching it with taxable pay takes$3,562 / mo gross

Without dependents here$2,445 / mo

In government quarters, no dependents$50.10 / mo partial

Minneapolis — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,250	$1,689
E-2	$2,250	$1,689
E-3	$2,250	$1,689
E-4	$2,250	$1,689
E-5	$2,541	$1,905
E-6	$2,781	$2,082
E-7	$2,826	$2,262
E-8	$2,877	$2,595
E-9	$2,985	$2,655
Warrant officer
W-1	$2,796	$2,154
W-2	$2,847	$2,592
W-3	$2,913	$2,667
W-4	$3,015	$2,784
W-5	$3,144	$2,835
Officer — prior enlisted
O-1E	$2,832	$2,538
O-2E	$2,901	$2,640
O-3E	$3,033	$2,769
Officer
O-1	$2,577	$1,953
O-2	$2,778	$2,445
O-3	$2,910	$2,688
O-4	$3,183	$2,820
O-5	$3,384	$2,844
O-6	$3,411	$2,889
O-7	$3,435	$2,937

What this rate means

O-2 with dependents, nearest stations0 – $5,451 / month

San Francisco$5,451

Austin$2,796

Bridgeport$2,796

Traverse City$2,793

Astoria$2,787

Minneapolis$2,778

Great Lakes Navtracen$2,757

Portland$2,748

County Cost Group 850$2,742

Aberdeen Proving Grounds$2,739

Youngstown$1,332

Minneapolis is #102 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 Minneapolis0 – $3,435 / month

E-1$2,250

E-2$2,250

E-3$2,250

E-4$2,250

E-5$2,541

E-6$2,781

E-7$2,826

E-8$2,877

E-9$2,985

W-1$2,796

W-2$2,847

W-3$2,913

W-4$3,015

W-5$3,144

O-1E$2,832

O-2E$2,901

O-3E$3,033

O-1$2,577

O-2$2,778

O-3$2,910

O-4$3,183

O-5$3,384

O-6$3,411

O-7$3,435

Promoting to O-3 here adds $132 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 Minneapolis to San Francisco at O-2 is worth $2,673 a month — about 20 promotions worth of housing allowance, at $132 per grade here.

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.

None of it is taxed. $2,778 a month of BAH takes more than $2,778 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-2 at Minneapolis draws $2,778 per month with dependents in 2026, $2,445 without

What this rate means

Things the rate table doesn't tell you