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 Norfolk draws $2,625 per month in 2026

    Permalinkbahratedesk.com/norfolk/o-5/without/ExcelCSVDownloads cover this station.
    Norfolk/Portsmouth, VA
    O-5 · without dependents
    $2,625/ month
    $31,500 / year
    At O-5, this is #6 of 17 stations loaded · high Camp Pendleton $4,548 · low Fort Riley $1,875
    MHA VA298 · ZIPs 23511 23505 23503
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$3,365 / mo gross
    Other dependency status here$3,318 with 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-5 · $2,625/mo
    Fort Bragg$2,109/mo · $25,308/yr
    ▼ CUT−$516−$6,192/yr · like −$7,938 of salary

    What this rate means

    O-5 without dependents, every station0 – $4,548 / month
    Camp Pendleton$4,548
    San Diego$4,458
    Honolulu County$4,224
    JB Elmendorf-Richardson$3,162
    JB Lewis-McChord$3,030
    Norfolk$2,625
    Fort Stewart$2,520
    Fort Carson$2,517
    Fort Campbell$2,334
    Fort Drum$2,244
    Fort Bliss$2,172
    Fort Hood$2,169
    Fort Bragg$2,109
    San Antonio (JBSA)$2,100
    Camp Lejeune$2,016
    Fort Benning$2,013
    Fort Riley$1,875

    Norfolk is #6 of 17. The spread between the dearest and cheapest station at this grade is $2,673 a month — $32,076 a year, untaxed.

    Every pay grade at Norfolk0 – $2,718 / month
    E-1$1,707
    E-2$1,707
    E-3$1,707
    E-4$1,707
    E-5$1,908
    E-6$2,043
    E-7$2,235
    E-8$2,463
    E-9$2,487
    W-1$2,166
    W-2$2,460
    W-3$2,496
    W-4$2,562
    W-5$2,616
    O-1E$2,427
    O-2E$2,481
    O-3E$2,547
    O-1$2,022
    O-2$2,367
    O-3$2,505
    O-4$2,601
    O-5$2,625
    O-6$2,673
    O-7$2,718

    Promoting to O-6 here adds $48 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-5 is worth $1,923 a month — about 40 promotions worth of housing allowance, at $48 per grade here.

    02

    Dependency status is worth 26% 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. $2,625 a month of BAH takes more than $2,625 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.