What is O-5 BAH at Oxford in 2026?

$3,663 per month with dependents ($43,956 per year), effective 01 JAN 2026. Without dependents it is $2,907 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-5 BAH at Oxford 2026 — $3,663 with dependents, $2,907 without

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

Oxford, MD

O-5 · with dependents

$3,663/ month

$43,956 / year

At O-5, this is #89 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827

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

Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col

Untaxed — matching it with taxable pay takes$4,696 / mo gross

Without dependents here$2,907 / 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-5 with dependents, nearest stations0 – $8,064 / month

Westchester County$8,064

Portland$3,702

Outer Banks$3,696

Astoria$3,672

County Cost Group 860$3,672

Oxford$3,663

Fort Pierce$3,648

Great Lakes Navtracen$3,645

Aberdeen Proving Grounds$3,630

Eglin AFB$3,612

Youngstown$1,827

Oxford is #89 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 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-6 here adds $30 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-5 is worth $4,401 a month — about 147 promotions worth of housing allowance, at $30 per grade here.

Dependency status is worth 26% 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. $3,663 a month of BAH takes more than $3,663 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-5 at Oxford draws $3,663 per month with dependents in 2026, $2,907 without

What this rate means

Things the rate table doesn't tell you