What is O-5 BAH at Omaha in 2026?

$3,231 per month with dependents ($38,772 per year), effective 01 JAN 2026. without dependents it is $2,502 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 Omaha 2026 — $3,231/mo with dependents

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

Omaha/Offutt AFB, NE

O-5 · with dependents

$3,231/ month

$38,772 / year

At O-5, this is #140 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827

MHA NE192 · ZIPs 51501 51502 51503 51510 51521 51525 +87 more

Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col

Untaxed — matching it with taxable pay takes$4,142 / mo gross

Other dependency status here$2,502 without dependents

In government quarters, no dependents$50.10 / mo partial

Omaha — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,887	$1,425
E-2	$1,887	$1,425
E-3	$1,887	$1,425
E-4	$1,887	$1,425
E-5	$2,085	$1,587
E-6	$2,376	$1,779
E-7	$2,457	$1,893
E-8	$2,547	$2,148
E-9	$2,706	$2,229
Warrant officer
W-1	$2,394	$1,827
W-2	$2,493	$2,145
W-3	$2,604	$2,241
W-4	$2,742	$2,388
W-5	$2,913	$2,475
Officer — prior enlisted
O-1E	$2,472	$2,082
O-2E	$2,586	$2,211
O-3E	$2,769	$2,367
Officer
O-1	$2,127	$1,683
O-2	$2,373	$2,022
O-3	$2,601	$2,268
O-4	$2,967	$2,454
O-5	$3,231	$2,502
O-6	$3,258	$2,583
O-7	$3,279	$2,625

What this rate means

O-5 with dependents, nearest stations0 – $8,064 / month

Westchester County$8,064

Yakima$3,243

Abilene$3,234

Durham$3,231

Helena$3,231

Omaha$3,231

Richmond$3,231

Salem$3,228

Bloomington$3,225

Cleveland$3,222

Youngstown$1,827

Omaha is #140 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 a year, untaxed.

Every pay grade at Omaha0 – $3,279 / month

E-1$1,887

E-2$1,887

E-3$1,887

E-4$1,887

E-5$2,085

E-6$2,376

E-7$2,457

E-8$2,547

E-9$2,706

W-1$2,394

W-2$2,493

W-3$2,604

W-4$2,742

W-5$2,913

O-1E$2,472

O-2E$2,586

O-3E$2,769

O-1$2,127

O-2$2,373

O-3$2,601

O-4$2,967

O-5$3,231

O-6$3,258

O-7$3,279

Promoting to O-6 here adds $27 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 Omaha to Westchester County at O-5 is worth $4,833 a month — about 179 promotions worth of housing allowance, at $27 per grade here.

Dependency status is worth 29% 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. $3,231 a month of BAH takes more than $3,231 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 with dependents at Omaha draws $3,231 per month in 2026

What this rate means

Things the rate table doesn't tell you