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-2E with dependents at Norfolk draws $2,685 per month in 2026

    Permalinkbahratedesk.com/norfolk/o-2e/with/ExcelCSVDownloads cover this station.
    Norfolk/Portsmouth, VA
    O-2E · with dependents
    $2,685/ month
    $32,220 / year
    At O-2E, this is #6 of 17 stations loaded · high Camp Pendleton $4,644 · low Fort Riley $1,941
    MHA VA298 · ZIPs 23511 23505 23503
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$3,442 / mo gross
    Other dependency status here$2,481 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Norfolk — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,229$1,707
    E-2$2,229$1,707
    E-3$2,229$1,707
    E-4$2,229$1,707
    E-5$2,430$1,908
    E-6$2,559$2,043
    E-7$2,604$2,235
    E-8$2,661$2,463
    E-9$2,796$2,487
    Warrant officer
    W-1$2,574$2,166
    W-2$2,628$2,460
    W-3$2,697$2,496
    W-4$2,832$2,562
    W-5$3,000$2,616
    Officer — prior enlisted
    O-1E$2,613$2,427
    O-2E$2,685$2,481
    O-3E$2,859$2,547
    Officer
    O-1$2,454$2,022
    O-2$2,556$2,367
    O-3$2,694$2,505
    O-4$3,054$2,601
    O-5$3,318$2,625
    O-6$3,342$2,673
    O-7$3,366$2,718
    PCS compareNorfolk · O-2E · $2,685/mo
    Fort Bragg$2,166/mo · $25,992/yr
    ▼ CUT−$519−$6,228/yr · like −$7,985 of salary

    What this rate means

    O-2E with dependents, every station0 – $4,644 / month
    Camp Pendleton$4,644
    San Diego$4,506
    Honolulu County$4,398
    JB Elmendorf-Richardson$3,333
    JB Lewis-McChord$3,108
    Norfolk$2,685
    Fort Stewart$2,586
    Fort Carson$2,583
    Fort Campbell$2,472
    Fort Drum$2,436
    Fort Hood$2,313
    Fort Bliss$2,196
    Fort Bragg$2,166
    San Antonio (JBSA)$2,124
    Camp Lejeune$2,073
    Fort Benning$2,049
    Fort Riley$1,941

    Norfolk is #6 of 17. The spread between the dearest and cheapest station at this grade is $2,703 a month — $32,436 a year, untaxed.

    Every pay grade at Norfolk0 – $3,366 / month
    E-1$2,229
    E-2$2,229
    E-3$2,229
    E-4$2,229
    E-5$2,430
    E-6$2,559
    E-7$2,604
    E-8$2,661
    E-9$2,796
    W-1$2,574
    W-2$2,628
    W-3$2,697
    W-4$2,832
    W-5$3,000
    O-1E$2,613
    O-2E$2,685
    O-3E$2,859
    O-1$2,454
    O-2$2,556
    O-3$2,694
    O-4$3,054
    O-5$3,318
    O-6$3,342
    O-7$3,366

    Promoting to O-3E here adds $174 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 Norfolk to Camp Pendleton at O-2E is worth $1,959 a month — about 11 promotions worth of housing allowance, at $174 per grade here.

    02

    Dependency status is worth 8% 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. $2,685 a month of BAH takes more than $2,685 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.