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 $3,267Without $2,892

    O-5 at Patrick SFB draws $3,267 per month with dependents in 2026, $2,892 without

    Permalinkbahratedesk.com/patrick-sfb-fl/o-5/ExcelCSVDownloads cover this station.
    Patrick SFB, FL
    O-5 · with dependents
    $3,267/ month
    $39,204 / year
    At O-5, this is #129 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA FL059 · ZIPs 32754 32775 32780 32781 32783 32796 +40 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,188 / mo gross
    Without dependents here$2,892 / mo
    In government quarters, no dependents$50.10 / mo partial
    Patrick SFB — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,325$1,845
    E-2$2,325$1,845
    E-3$2,325$1,845
    E-4$2,325$1,845
    E-5$2,502$2,037
    E-6$2,883$2,163
    E-7$2,907$2,331
    E-8$2,916$2,583
    E-9$2,955$2,691
    Warrant officer
    W-1$2,904$2,274
    W-2$2,913$2,580
    W-3$2,925$2,706
    W-4$2,976$2,880
    W-5$3,081$2,889
    Officer — prior enlisted
    O-1E$2,910$2,499
    O-2E$2,919$2,667
    O-3E$2,991$2,877
    Officer
    O-1$2,553$2,148
    O-2$2,880$2,445
    O-3$2,922$2,742
    O-4$3,108$2,883
    O-5$3,267$2,892
    O-6$3,294$2,895
    O-7$3,315$2,922
    PCS comparePatrick SFB · O-5 · $3,267/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$363+$4,356/yr · like +$5,585 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Twenty Nine Palms MCB$3,291
    Houston$3,288
    Humboldt County$3,288
    Gainesville$3,276
    Patrick SFB$3,267
    Elizabeth City$3,264
    St. Louis$3,261
    County Cost Group 820$3,255
    Orlando$3,255
    Youngstown$1,827

    Patrick SFB is #129 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 Patrick SFB0 – $3,315 / month
    E-1$2,325
    E-2$2,325
    E-3$2,325
    E-4$2,325
    E-5$2,502
    E-6$2,883
    E-7$2,907
    E-8$2,916
    E-9$2,955
    W-1$2,904
    W-2$2,913
    W-3$2,925
    W-4$2,976
    W-5$3,081
    O-1E$2,910
    O-2E$2,919
    O-3E$2,991
    O-1$2,553
    O-2$2,880
    O-3$2,922
    O-4$3,108
    O-5$3,267
    O-6$3,294
    O-7$3,315

    Promoting to O-6 here adds $27 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 Patrick SFB to Westchester County at O-5 is worth $4,797 a month — about 178 promotions worth of housing allowance, at $27 per grade here.

    02

    Dependency status is worth 13% 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. $3,267 a month of BAH takes more than $3,267 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.