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 Moody AFB draws $1,959 per month in 2026

    Permalinkbahratedesk.com/moody-afb-ga/o-5/without/ExcelCSVDownloads cover this station.
    Moody AFB, GA
    O-5 · without dependents
    $1,959/ month
    $23,508 / year
    At O-5, this is #280 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA GA081 · ZIPs 31601 31602 31603 31604 31605 31606 +20 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$2,512 / mo gross
    Other dependency status here$2,589 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Moody AFB — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,503$1,320
    E-2$1,503$1,320
    E-3$1,503$1,320
    E-4$1,503$1,320
    E-5$1,524$1,416
    E-6$1,917$1,479
    E-7$1,950$1,512
    E-8$1,980$1,608
    E-9$2,097$1,722
    Warrant officer
    W-1$1,938$1,509
    W-2$1,962$1,605
    W-3$2,007$1,737
    W-4$2,130$1,920
    W-5$2,289$1,956
    Officer — prior enlisted
    O-1E$1,953$1,524
    O-2E$1,995$1,695
    O-3E$2,157$1,911
    Officer
    O-1$1,578$1,476
    O-2$1,914$1,521
    O-3$2,004$1,773
    O-4$2,340$1,941
    O-5$2,589$1,959
    O-6$2,607$1,980
    O-7$2,622$2,013
    PCS compareMoody AFB · O-5 · $1,959/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▲ RAISE+$975+$11,700/yr · like +$15,000 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    County Cost Group 730$1,974
    Topeka$1,974
    Morgantown$1,971
    Gulfport$1,968
    Moody AFB$1,959
    Peoria$1,956
    Yuma$1,956
    Lubbock$1,953
    Lafayette$1,950
    Youngstown$1,593

    Moody AFB is #280 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 Moody AFB0 – $2,013 / month
    E-1$1,320
    E-2$1,320
    E-3$1,320
    E-4$1,320
    E-5$1,416
    E-6$1,479
    E-7$1,512
    E-8$1,608
    E-9$1,722
    W-1$1,509
    W-2$1,605
    W-3$1,737
    W-4$1,920
    W-5$1,956
    O-1E$1,524
    O-2E$1,695
    O-3E$1,911
    O-1$1,476
    O-2$1,521
    O-3$1,773
    O-4$1,941
    O-5$1,959
    O-6$1,980
    O-7$2,013

    Promoting to O-6 here adds $21 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 Moody AFB to Westchester County at O-5 is worth $4,203 a month — about 200 promotions worth of housing allowance, at $21 per grade here.

    02

    Dependency status is worth 32% 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. $1,959 a month of BAH takes more than $1,959 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.