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

Press Enter to look it up.

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 $2,445 Without $1,938

E-5 at Oxford draws $2,445 per month with dependents in 2026, $1,938 without

Permalink bahratedesk.com/oxford-md/ Excel CSV
Oxford, MD
E-5 · with dependents
$2,445/ month
$29,340 / year
At E-5, this is #95 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA MD458 · ZIPs 21601 21607 21609 21610 21612 21613 +58 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $3,135 / mo gross
Without dependents here $1,938 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Oxford · E-5 · $2,445/mo
Oxford $2,445/mo · $29,340/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Oxford — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $2,271 $1,704
E-2 $2,271 $1,704
E-3 $2,271 $1,704
E-4 $2,271 $1,704
E-5 $2,445 $1,938
E-6 $2,814 $2,112
E-7 $2,877 $2,277
E-8 $2,943 $2,523
E-9 $3,096 $2,628
Warrant officer
W-1 $2,835 $2,220
W-2 $2,904 $2,520
W-3 $2,988 $2,643
W-4 $3,135 $2,823
W-5 $3,318 $2,889
Officer — prior enlisted
O-1E $2,886 $2,442
O-2E $2,973 $2,604
O-3E $3,162 $2,808
Officer
O-1 $2,496 $2,094
O-2 $2,811 $2,391
O-3 $2,985 $2,679
O-4 $3,378 $2,871
O-5 $3,663 $2,907
O-6 $3,693 $2,964
O-7 $3,720 $3,015

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
New London $2,580
Ann Arbor $2,559
JB Lewis-McChord $2,556
Stockton $2,553
Minneapolis $2,541
Elizabeth City $2,508
Patrick SFB $2,502
County Cost Group 860 $2,487
Aberdeen Proving Grounds $2,478
Dallas $2,469
Oxford $2,445
Birmingham $2,439
Fresno $2,439
Fairbanks $2,436
Port Angeles $2,436
St. Louis $2,436
Eglin AFB $2,433
Norfolk $2,430
Great Lakes Navtracen $2,427
Savannah $2,415
County Cost Group 850 $2,409
Anniston $1,185

Oxford is #95 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Oxford0 – $3,720 / month
E-1 $2,271
E-2 $2,271
E-3 $2,271
E-4 $2,271
E-5 $2,445
E-6 $2,814
E-7 $2,877
E-8 $2,943
E-9 $3,096
W-1 $2,835
W-2 $2,904
W-3 $2,988
W-4 $3,135
W-5 $3,318
O-1E $2,886
O-2E $2,973
O-3E $3,162
O-1 $2,496
O-2 $2,811
O-3 $2,985
O-4 $3,378
O-5 $3,663
O-6 $3,693
O-7 $3,720

The pay chart moves this allowance far less than the map does.

Moving from Oxford to San Francisco at E-5 is worth $2,682 a month — about 7 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.