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 $4,668Without $3,873

    O-5 at Newport draws $4,668 per month with dependents in 2026, $3,873 without

    Permalinkbahratedesk.com/newport-ri/o-5/ExcelCSVDownloads cover this station.
    Newport, RI
    O-5 · with dependents
    $4,668/ month
    $56,016 / year
    At O-5, this is #40 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA RI256 · ZIPs 02702 02717 02719 02720 02721 02723 +27 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$5,985 / mo gross
    Without dependents here$3,873 / mo
    In government quarters, no dependents$50.10 / mo partial
    Newport — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,685$2,073
    E-2$2,685$2,073
    E-3$2,685$2,073
    E-4$2,685$2,073
    E-5$2,847$2,361
    E-6$3,447$2,586
    E-7$3,702$2,778
    E-8$3,972$2,979
    E-9$4,230$3,174
    Warrant officer
    W-1$3,474$2,637
    W-2$3,813$2,967
    W-3$4,146$3,177
    W-4$4,260$3,507
    W-5$4,404$3,762
    Officer — prior enlisted
    O-1E$3,753$2,844
    O-2E$4,098$3,111
    O-3E$4,284$3,441
    Officer
    O-1$2,925$2,517
    O-2$3,441$2,796
    O-3$4,137$3,231
    O-4$4,446$3,717
    O-5$4,668$3,873
    O-6$4,707$4,125
    O-7$4,743$4,200
    PCS compareNewport · O-5 · $4,668/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▼ CUT−$1,038−$12,456/yr · like −$15,969 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    West Palm Beach$4,782
    Manchester$4,707
    Washington$4,692
    Worcester$4,686
    Newport$4,668
    Warrenton$4,599
    New Haven$4,590
    Providence$4,533
    County Cost Group 890$4,530
    Youngstown$1,827

    Newport is #40 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 Newport0 – $4,743 / month
    E-1$2,685
    E-2$2,685
    E-3$2,685
    E-4$2,685
    E-5$2,847
    E-6$3,447
    E-7$3,702
    E-8$3,972
    E-9$4,230
    W-1$3,474
    W-2$3,813
    W-3$4,146
    W-4$4,260
    W-5$4,404
    O-1E$3,753
    O-2E$4,098
    O-3E$4,284
    O-1$2,925
    O-2$3,441
    O-3$4,137
    O-4$4,446
    O-5$4,668
    O-6$4,707
    O-7$4,743

    Promoting to O-6 here adds $39 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 Newport to Westchester County at O-5 is worth $3,396 a month — about 87 promotions worth of housing allowance, at $39 per grade here.

    02

    Dependency status is worth 21% 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. $4,668 a month of BAH takes more than $4,668 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.