What is O-1 BAH at Ocala in 2026?

$2,382 per month with dependents ($28,584 per year), effective 01 JAN 2026. Without dependents it is $2,037 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-1 BAH at Ocala 2026 — $2,382 with dependents, $2,037 without

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Ocala, FL

O-1 · with dependents

$2,382/ month

$28,584 / year

At O-1, this is #119 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218

MHA FL068 · ZIPs 32102 32111 32113 32133 32134 32158 +106 more

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$3,054 / mo gross

Without dependents here$2,037 / mo

In government quarters, no dependents$50.10 / mo partial

Ocala — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,205	$1,785
E-2	$2,205	$1,785
E-3	$2,205	$1,785
E-4	$2,205	$1,785
E-5	$2,370	$1,944
E-6	$2,391	$2,055
E-7	$2,409	$2,211
E-8	$2,424	$2,382
E-9	$2,517	$2,388
Warrant officer
W-1	$2,406	$2,160
W-2	$2,415	$2,379
W-3	$2,442	$2,391
W-4	$2,544	$2,400
W-5	$2,676	$2,406
Officer — prior enlisted
O-1E	$2,412	$2,367
O-2E	$2,433	$2,385
O-3E	$2,565	$2,397
Officer
O-1	$2,382	$2,037
O-2	$2,388	$2,319
O-3	$2,439	$2,394
O-4	$2,718	$2,403
O-5	$2,922	$2,409
O-6	$2,943	$2,418
O-7	$2,961	$2,457

What this rate means

O-1 with dependents, nearest stations0 – $5,172 / month

San Francisco$5,172

Charlottesville$2,421

Bremerton$2,415

Richmond$2,400

Detroit$2,397

Ocala$2,382

Fort Carson$2,376

County Cost Group 840$2,367

Dahlgren$2,367

Fort Stewart$2,334

Youngstown$1,218

Ocala is #119 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 Ocala0 – $2,961 / month

E-1$2,205

E-2$2,205

E-3$2,205

E-4$2,205

E-5$2,370

E-6$2,391

E-7$2,409

E-8$2,424

E-9$2,517

W-1$2,406

W-2$2,415

W-3$2,442

W-4$2,544

W-5$2,676

O-1E$2,412

O-2E$2,433

O-3E$2,565

O-1$2,382

O-2$2,388

O-3$2,439

O-4$2,718

O-5$2,922

O-6$2,943

O-7$2,961

Promoting to O-2 here adds $6 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Ocala to San Francisco at O-1 is worth $2,790 a month — about 465 promotions worth of housing allowance, at $6 per grade here.

Dependency status is worth 17% 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.

None of it is taxed. $2,382 a month of BAH takes more than $2,382 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-1 at Ocala draws $2,382 per month with dependents in 2026, $2,037 without

What this rate means

Things the rate table doesn't tell you