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

Press Enter to look it up.

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 $2,691 Without $2,091

E-5 at Philadelphia draws $2,691 per month with dependents in 2026, $2,091 without

Permalink bahratedesk.com/philadelphia-pa-camden-nj/ Excel CSV
Philadelphia, PA/Camden, NJ
E-5 · with dependents
$2,691/ month
$32,292 / year
At E-5, this is #73 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA PA248 · ZIPs 08001 08002 08003 08004 08007 08009 +255 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $3,450 / mo gross
Without dependents here $2,091 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Philadelphia · E-5 · $2,691/mo
Philadelphia $2,691/mo · $32,292/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Philadelphia — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $2,448 $1,893
E-2 $2,448 $1,893
E-3 $2,448 $1,893
E-4 $2,448 $1,893
E-5 $2,691 $2,091
E-6 $2,979 $2,232
E-7 $3,000 $2,457
E-8 $3,009 $2,754
E-9 $3,111 $2,832
Warrant officer
W-1 $2,997 $2,373
W-2 $3,006 $2,751
W-3 $3,018 $2,844
W-4 $3,156 $2,973
W-5 $3,366 $2,982
Officer — prior enlisted
O-1E $3,003 $2,688
O-2E $3,012 $2,814
O-3E $3,189 $2,970
Officer
O-1 $2,733 $2,205
O-2 $2,976 $2,613
O-3 $3,015 $2,871
O-4 $3,435 $2,976
O-5 $3,759 $2,985
O-6 $3,789 $2,988
O-7 $3,816 $3,018

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
County Cost Group 880 $2,850
Newport $2,847
Denver $2,841
JB McGuire-Dix-Lakehurst $2,823
Boulder $2,754
Cape May $2,754
Everett $2,748
Tampa $2,709
Fort Myers Beach $2,694
Fort Pierce $2,691
Philadelphia $2,691
Fort Detrick $2,682
Edwards AFB $2,658
Orlando $2,658
Atlantic City $2,655
Madison $2,655
County Cost Group 870 $2,652
Ballston Spa $2,634
Baltimore $2,610
Milwaukee $2,607
Outer Banks $2,604
Anniston $1,185

Philadelphia is #73 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Philadelphia0 – $3,816 / month
E-1 $2,448
E-2 $2,448
E-3 $2,448
E-4 $2,448
E-5 $2,691
E-6 $2,979
E-7 $3,000
E-8 $3,009
E-9 $3,111
W-1 $2,997
W-2 $3,006
W-3 $3,018
W-4 $3,156
W-5 $3,366
O-1E $3,003
O-2E $3,012
O-3E $3,189
O-1 $2,733
O-2 $2,976
O-3 $3,015
O-4 $3,435
O-5 $3,759
O-6 $3,789
O-7 $3,816

The pay chart moves this allowance far less than the map does.

Moving from Philadelphia to San Francisco at E-5 is worth $2,436 a month — about 8 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.