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 $2,388Without $2,319

    O-2 at Ocala draws $2,388 per month with dependents in 2026, $2,319 without

    Permalinkbahratedesk.com/ocala-fl/o-2/ExcelCSVDownloads cover this station.
    Ocala, FL
    O-2 · with dependents
    $2,388/ month
    $28,656 / year
    At O-2, this is #163 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332
    MHA FL068 · ZIPs 32102 32111 32113 32133 32134 32158 +106 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$3,062 / mo gross
    Without dependents here$2,319 / mo
    In government quarters, no dependents$50.10 / mo partial
    Ocala — full sheetTap a row
    GradeWith 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
    PCS compareOcala · O-2 · $2,388/mo
    Aberdeen Proving Grounds$2,739/mo · $32,868/yr
    ▲ RAISE+$351+$4,212/yr · like +$5,400 of salary

    What this rate means

    O-2 with dependents, nearest stations0 – $5,451 / month
    San Francisco$5,451
    Grand Rapids$2,400
    Chattanooga$2,394
    Salem$2,394
    Durham$2,388
    Ocala$2,388
    College Station$2,385
    County Cost Group 810$2,385
    Syracuse$2,382
    Yakima$2,379
    Youngstown$1,332

    Ocala is #163 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 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-3 here adds $51 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 Ocala to San Francisco at O-2 is worth $3,063 a month — about 60 promotions worth of housing allowance, at $51 per grade here.

    02

    Dependency status is worth 3% 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. $2,388 a month of BAH takes more than $2,388 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.