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-2 with dependents at Orlando draws $2,958 per month in 2026

    Permalinkbahratedesk.com/orlando-fl/o-2/with/ExcelCSVDownloads cover this station.
    Orlando, FL
    O-2 · with dependents
    $2,958/ month
    $35,496 / year
    At O-2, this is #76 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332
    MHA FL062 · ZIPs 32701 32703 32704 32707 32708 32709 +114 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$3,792 / mo gross
    Other dependency status here$2,592 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Orlando — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,454$1,842
    E-2$2,454$1,842
    E-3$2,454$1,842
    E-4$2,454$1,842
    E-5$2,658$2,103
    E-6$2,961$2,268
    E-7$2,982$2,460
    E-8$2,991$2,724
    E-9$3,018$2,808
    Warrant officer
    W-1$2,979$2,394
    W-2$2,988$2,721
    W-3$3,000$2,820
    W-4$3,033$2,955
    W-5$3,114$2,967
    Officer — prior enlisted
    O-1E$2,985$2,655
    O-2E$2,994$2,787
    O-3E$3,045$2,952
    Officer
    O-1$2,700$2,247
    O-2$2,958$2,592
    O-3$2,997$2,847
    O-4$3,135$2,958
    O-5$3,255$2,970
    O-6$3,282$2,973
    O-7$3,303$3,000
    PCS compareOrlando · O-2 · $2,958/mo
    Aberdeen Proving Grounds$2,739/mo · $32,868/yr
    ▼ CUT−$219−$2,628/yr · like −$3,369 of salary

    What this rate means

    O-2 with dependents, nearest stations0 – $5,451 / month
    San Francisco$5,451
    Tampa$3,039
    County Cost Group 870$2,994
    Philadelphia$2,976
    Sacramento$2,976
    Orlando$2,958
    Outer Banks$2,943
    Stockton$2,931
    Fort Myers Beach$2,916
    JB Lewis-McChord$2,916
    Youngstown$1,332

    Orlando is #76 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 Orlando0 – $3,303 / month
    E-1$2,454
    E-2$2,454
    E-3$2,454
    E-4$2,454
    E-5$2,658
    E-6$2,961
    E-7$2,982
    E-8$2,991
    E-9$3,018
    W-1$2,979
    W-2$2,988
    W-3$3,000
    W-4$3,033
    W-5$3,114
    O-1E$2,985
    O-2E$2,994
    O-3E$3,045
    O-1$2,700
    O-2$2,958
    O-3$2,997
    O-4$3,135
    O-5$3,255
    O-6$3,282
    O-7$3,303

    Promoting to O-3 here adds $39 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 Orlando to San Francisco at O-2 is worth $2,493 a month — about 64 promotions worth of housing allowance, at $39 per grade here.

    02

    Dependency status is worth 14% 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. $2,958 a month of BAH takes more than $2,958 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.