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
    With $6,933Without $5,310

    O-5 at Nantucket draws $6,933 per month with dependents in 2026, $5,310 without

    Permalinkbahratedesk.com/nantucket-ma/o-5/ExcelCSVDownloads cover this station.
    Nantucket, MA
    O-5 · with dependents
    $6,933/ month
    $83,196 / year
    At O-5, this is #4 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA MA119 · ZIPs 02554 02564 02584
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$8,888 / mo gross
    Without dependents here$5,310 / mo
    In government quarters, no dependents$50.10 / mo partial
    Nantucket — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$4,218$3,231
    E-2$4,218$3,231
    E-3$4,218$3,231
    E-4$4,218$3,231
    E-5$4,344$3,798
    E-6$5,127$4,101
    E-7$5,241$4,221
    E-8$5,364$4,500
    E-9$5,682$4,737
    Warrant officer
    W-1$5,148$4,188
    W-2$5,292$4,497
    W-3$5,445$4,764
    W-4$5,772$5,151
    W-5$6,165$5,268
    Officer — prior enlisted
    O-1E$5,262$4,341
    O-2E$5,421$4,686
    O-3E$5,832$5,121
    Officer
    O-1$4,440$4,089
    O-2$5,115$4,305
    O-3$5,442$4,842
    O-4$6,306$5,244
    O-5$6,933$5,310
    O-6$6,993$5,424
    O-7$7,053$5,523
    PCS compareNantucket · O-5 · $6,933/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▼ CUT−$3,303−$39,636/yr · like −$50,815 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    New York City$7,128
    San Francisco$7,089
    Nantucket$6,933
    Boston$6,483
    Maui County$6,378
    Santa Clara County$6,333
    Florida Keys$6,213
    Youngstown$1,827

    Nantucket is #4 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 Nantucket0 – $7,053 / month
    E-1$4,218
    E-2$4,218
    E-3$4,218
    E-4$4,218
    E-5$4,344
    E-6$5,127
    E-7$5,241
    E-8$5,364
    E-9$5,682
    W-1$5,148
    W-2$5,292
    W-3$5,445
    W-4$5,772
    W-5$6,165
    O-1E$5,262
    O-2E$5,421
    O-3E$5,832
    O-1$4,440
    O-2$5,115
    O-3$5,442
    O-4$6,306
    O-5$6,933
    O-6$6,993
    O-7$7,053

    Promoting to O-6 here adds $60 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 Nantucket to Westchester County at O-5 is worth $1,131 a month — about 19 promotions worth of housing allowance, at $60 per grade here.

    02

    Dependency status is worth 31% 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. $6,933 a month of BAH takes more than $6,933 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.