What is O-1 BAH at Oxford in 2026?

$2,094 per month without dependents ($25,128 per year), effective 01 JAN 2026. with dependents it is $2,496 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-1 BAH at Oxford 2026 — $2,094/mo without dependents

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

Oxford, MD

O-1 · without dependents

$2,094/ month

$25,128 / year

At O-1, this is #100 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,074

MHA MD458 · ZIPs 21601 21607 21609 21610 21612 21613 +58 more

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$2,685 / mo gross

Other dependency status here$2,496 with dependents

In government quarters, no dependents$50.10 / mo partial

Oxford — full sheetTap a row

Grade	With 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

O-1 without dependents, nearest stations0 – $5,067 / month

New York City$5,067

Atlanta$2,130

Patuxent River$2,127

Milwaukee$2,124

Elizabeth City$2,097

Oxford$2,094

St. Louis$2,094

Bridgeport$2,085

County Cost Group 850$2,085

Aberdeen Proving Grounds$2,055

Youngstown$1,074

Oxford is #100 of 338. The spread between the dearest and cheapest station at this grade is $3,993 a month — $47,916 a year, untaxed.

Every pay grade at Oxford0 – $3,015 / month

E-1$1,704

E-2$1,704

E-3$1,704

E-4$1,704

E-5$1,938

E-6$2,112

E-7$2,277

E-8$2,523

E-9$2,628

W-1$2,220

W-2$2,520

W-3$2,643

W-4$2,823

W-5$2,889

O-1E$2,442

O-2E$2,604

O-3E$2,808

O-1$2,094

O-2$2,391

O-3$2,679

O-4$2,871

O-5$2,907

O-6$2,964

O-7$3,015

Promoting to O-2 here adds $297 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 Oxford to New York City at O-1 is worth $2,973 a month — about 10 promotions worth of housing allowance, at $297 per grade here.

Dependency status is worth 19% 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. $2,094 a month of BAH takes more than $2,094 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-1 without dependents at Oxford draws $2,094 per month in 2026

What this rate means

Things the rate table doesn't tell you