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
    With $1,872Without $1,452

    O-2 at Paducah draws $1,872 per month with dependents in 2026, $1,452 without

    Permalinkbahratedesk.com/paducah-ky/o-2/ExcelCSVDownloads cover this station.
    Paducah, KY
    O-2 · with dependents
    $1,872/ month
    $22,464 / year
    At O-2, this is #268 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332
    MHA KY430 · ZIPs 42001 42002 42003 42053 42086
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$2,400 / mo gross
    Without dependents here$1,452 / mo
    In government quarters, no dependents$50.10 / mo partial
    Paducah — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,293$1,029
    E-2$1,293$1,029
    E-3$1,293$1,029
    E-4$1,293$1,029
    E-5$1,365$1,143
    E-6$1,875$1,407
    E-7$1,932$1,449
    E-8$1,992$1,494
    E-9$2,136$1,623
    Warrant officer
    W-1$1,896$1,422
    W-2$1,956$1,470
    W-3$2,034$1,641
    W-4$2,175$1,884
    W-5$2,355$1,944
    Officer — prior enlisted
    O-1E$1,941$1,455
    O-2E$2,019$1,587
    O-3E$2,205$1,869
    Officer
    O-1$1,434$1,215
    O-2$1,872$1,452
    O-3$2,031$1,689
    O-4$2,415$1,929
    O-5$2,694$2,022
    O-6$2,712$2,034
    O-7$2,730$2,049
    PCS comparePaducah · O-2 · $1,872/mo
    Aberdeen Proving Grounds$2,739/mo · $32,868/yr
    ▲ RAISE+$867+$10,404/yr · like +$13,338 of salary

    What this rate means

    O-2 with dependents, nearest stations0 – $5,451 / month
    San Francisco$5,451
    County Cost Group 740$1,893
    Fort Drum$1,890
    Wilkes-Barre$1,884
    Robins AFB$1,875
    Paducah$1,872
    Holloman AFB$1,866
    Topeka$1,866
    County Cost Group 730$1,860
    Brownsville$1,857
    Youngstown$1,332

    Paducah is #268 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 a year, untaxed.

    Every pay grade at Paducah0 – $2,730 / month
    E-1$1,293
    E-2$1,293
    E-3$1,293
    E-4$1,293
    E-5$1,365
    E-6$1,875
    E-7$1,932
    E-8$1,992
    E-9$2,136
    W-1$1,896
    W-2$1,956
    W-3$2,034
    W-4$2,175
    W-5$2,355
    O-1E$1,941
    O-2E$2,019
    O-3E$2,205
    O-1$1,434
    O-2$1,872
    O-3$2,031
    O-4$2,415
    O-5$2,694
    O-6$2,712
    O-7$2,730

    Promoting to O-3 here adds $159 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 Paducah to San Francisco at O-2 is worth $3,579 a month — about 23 promotions worth of housing allowance, at $159 per grade here.

    02

    Dependency status is worth 29% 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. $1,872 a month of BAH takes more than $1,872 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.