What is O-5 BAH at Oklahoma City in 2026?

$1,911 per month without dependents ($22,932 per year), effective 01 JAN 2026. with dependents it is $2,337 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-5 BAH at Oklahoma City 2026 — $1,911/mo without dependents

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

Oklahoma City, OK

O-5 · without dependents

$1,911/ month

$22,932 / year

At O-5, this is #294 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593

MHA OK239 · ZIPs 73003 73007 73008 73012 73013 73014 +101 more

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Untaxed — matching it with taxable pay takes$2,450 / mo gross

Other dependency status here$2,337 with dependents

In government quarters, no dependents$50.10 / mo partial

Oklahoma City — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,542	$1,248
E-2	$1,542	$1,248
E-3	$1,542	$1,248
E-4	$1,542	$1,248
E-5	$1,644	$1,365
E-6	$1,854	$1,443
E-7	$1,896	$1,542
E-8	$1,944	$1,692
E-9	$2,034	$1,743
Warrant officer
W-1	$1,869	$1,518
W-2	$1,914	$1,689
W-3	$1,977	$1,752
W-4	$2,055	$1,854
W-5	$2,157	$1,905
Officer — prior enlisted
O-1E	$1,902	$1,641
O-2E	$1,965	$1,731
O-3E	$2,070	$1,842
Officer
O-1	$1,677	$1,434
O-2	$1,851	$1,614
O-3	$1,974	$1,773
O-4	$2,184	$1,890
O-5	$2,337	$1,911
O-6	$2,355	$1,953
O-7	$2,367	$1,986

What this rate means

O-5 without dependents, nearest stations0 – $6,162 / month

Westchester County$6,162

County Cost Group 710$1,926

Montgomery$1,923

St Mary And Terrebonne$1,923

Springfield$1,920

Oklahoma City$1,911

County Cost Group 700$1,908

Albany$1,899

Fort Leonard Wood$1,899

County Cost Group 690$1,893

Youngstown$1,593

Oklahoma City is #294 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 a year, untaxed.

Every pay grade at Oklahoma City0 – $1,986 / month

E-1$1,248

E-2$1,248

E-3$1,248

E-4$1,248

E-5$1,365

E-6$1,443

E-7$1,542

E-8$1,692

E-9$1,743

W-1$1,518

W-2$1,689

W-3$1,752

W-4$1,854

W-5$1,905

O-1E$1,641

O-2E$1,731

O-3E$1,842

O-1$1,434

O-2$1,614

O-3$1,773

O-4$1,890

O-5$1,911

O-6$1,953

O-7$1,986

Promoting to O-6 here adds $42 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 Oklahoma City to Westchester County at O-5 is worth $4,251 a month — about 101 promotions worth of housing allowance, at $42 per grade here.

Dependency status is worth 22% 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. $1,911 a month of BAH takes more than $1,911 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-5 without dependents at Oklahoma City draws $1,911 per month in 2026

What this rate means

Things the rate table doesn't tell you