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-1 with dependents at Nashville draws $2,322 per month in 2026

    Permalinkbahratedesk.com/nashville-tn/o-1/with/ExcelCSVDownloads cover this station.
    Nashville, TN
    O-1 · with dependents
    $2,322/ month
    $27,864 / year
    At O-1, this is #126 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218
    MHA TN269 · ZIPs 37011 37013 37014 37024 37027 37037 +72 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$2,977 / mo gross
    Other dependency status here$1,953 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Nashville — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,112$1,722
    E-2$2,112$1,722
    E-3$2,112$1,722
    E-4$2,112$1,722
    E-5$2,268$1,869
    E-6$2,673$2,004
    E-7$2,712$2,118
    E-8$2,754$2,355
    E-9$2,853$2,469
    Warrant officer
    W-1$2,694$2,070
    W-2$2,730$2,352
    W-3$2,787$2,484
    W-4$2,877$2,676
    W-5$2,997$2,721
    Officer — prior enlisted
    O-1E$2,718$2,265
    O-2E$2,772$2,442
    O-3E$2,898$2,667
    Officer
    O-1$2,322$1,953
    O-2$2,670$2,220
    O-3$2,784$2,523
    O-4$3,033$2,706
    O-5$3,219$2,724
    O-6$3,243$2,760
    O-7$3,264$2,808
    PCS compareNashville · O-1 · $2,322/mo
    Aberdeen Proving Grounds$2,517/mo · $30,204/yr
    ▲ RAISE+$195+$2,340/yr · like +$3,000 of salary

    What this rate means

    O-1 with dependents, nearest stations0 – $5,172 / month
    San Francisco$5,172
    Dahlgren$2,367
    Fort Stewart$2,334
    Pittsburgh$2,328
    Cincinnati$2,322
    Nashville$2,322
    Phoenix$2,319
    Volusia County$2,319
    Austin$2,313
    Dover AFB$2,310
    Youngstown$1,218

    Nashville is #126 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 a year, untaxed.

    Every pay grade at Nashville0 – $3,264 / month
    E-1$2,112
    E-2$2,112
    E-3$2,112
    E-4$2,112
    E-5$2,268
    E-6$2,673
    E-7$2,712
    E-8$2,754
    E-9$2,853
    W-1$2,694
    W-2$2,730
    W-3$2,787
    W-4$2,877
    W-5$2,997
    O-1E$2,718
    O-2E$2,772
    O-3E$2,898
    O-1$2,322
    O-2$2,670
    O-3$2,784
    O-4$3,033
    O-5$3,219
    O-6$3,243
    O-7$3,264

    Promoting to O-2 here adds $348 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 Nashville to San Francisco at O-1 is worth $2,850 a month — about 8 promotions worth of housing allowance, at $348 per grade here.

    02

    Dependency status is worth 19% 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. $2,322 a month of BAH takes more than $2,322 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.