What is O-1E BAH at Oxford in 2026?

$2,886 per month with dependents ($34,632 per year), effective 01 JAN 2026. Without dependents it is $2,442 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-1E BAH at Oxford 2026 — $2,886 with dependents, $2,442 without

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

Oxford, MD

O-1E · with dependents

$2,886/ month

$34,632 / year

At O-1E, this is #100 of 338 stations loaded · high Westchester County $5,931 · low Youngstown $1,521

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

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$3,700 / mo gross

Without dependents here$2,442 / mo

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-1E with dependents, nearest stations0 – $5,931 / month

Westchester County$5,931

Milwaukee$2,910

Patrick SFB$2,910

Whidbey Island$2,901

Bridgeport$2,895

Oxford$2,886

Aberdeen Proving Grounds$2,883

Fresno$2,871

Great Lakes Navtracen$2,871

Portland$2,871

Youngstown$1,521

Oxford is #100 of 338. The spread between the dearest and cheapest station at this grade is $4,410 a month — $52,920 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

Promoting to O-2E here adds $87 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 Westchester County at O-1E is worth $3,045 a month — about 35 promotions worth of housing allowance, at $87 per grade here.

Dependency status is worth 18% 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. $2,886 a month of BAH takes more than $2,886 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-1E at Oxford draws $2,886 per month with dependents in 2026, $2,442 without

What this rate means

Things the rate table doesn't tell you