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-5 without dependents at Orlando draws $2,970 per month in 2026

    Permalinkbahratedesk.com/orlando-fl/o-5/without/ExcelCSVDownloads cover this station.
    Orlando, FL
    O-5 · without dependents
    $2,970/ month
    $35,640 / year
    At O-5, this is #95 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA FL062 · ZIPs 32701 32703 32704 32707 32708 32709 +114 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$3,808 / mo gross
    Other dependency status here$3,255 with 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-5 · $2,970/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▼ CUT−$36−$432/yr · like −$554 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    Philadelphia$2,985
    Port Angeles$2,982
    County Cost Group 860$2,976
    Fort Pierce$2,970
    Orlando$2,970
    Whidbey Island$2,958
    Traverse City$2,955
    Aberdeen Proving Grounds$2,934
    Bridgeport$2,922
    Youngstown$1,593

    Orlando is #95 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 Orlando0 – $3,000 / month
    E-1$1,842
    E-2$1,842
    E-3$1,842
    E-4$1,842
    E-5$2,103
    E-6$2,268
    E-7$2,460
    E-8$2,724
    E-9$2,808
    W-1$2,394
    W-2$2,721
    W-3$2,820
    W-4$2,955
    W-5$2,967
    O-1E$2,655
    O-2E$2,787
    O-3E$2,952
    O-1$2,247
    O-2$2,592
    O-3$2,847
    O-4$2,958
    O-5$2,970
    O-6$2,973
    O-7$3,000

    Promoting to O-6 here adds $3 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 Westchester County at O-5 is worth $3,192 a month — about 1064 promotions worth of housing allowance, at $3 per grade here.

    02

    Dependency status is worth 10% 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. $2,970 a month of BAH takes more than $2,970 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.