What is O-2 BAH at Philadelphia in 2026?

$2,976 per month with dependents ($35,712 per year), effective 01 JAN 2026. Without dependents it is $2,613 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-2 BAH at Philadelphia 2026 — $2,976 with dependents, $2,613 without

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

Philadelphia, PA/Camden, NJ

O-2 · with dependents

$2,976/ month

$35,712 / year

At O-2, this is #74 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332

MHA PA248 · ZIPs 08001 08002 08003 08004 08007 08009 +255 more

Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt

Untaxed — matching it with taxable pay takes$3,815 / mo gross

Without dependents here$2,613 / mo

In government quarters, no dependents$50.10 / mo partial

Philadelphia — full sheetTap a row

Grade	With 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

O-2 with dependents, nearest stations0 – $5,451 / month

San Francisco$5,451

Denver$3,060

Fort Detrick$3,060

Tampa$3,039

County Cost Group 870$2,994

Philadelphia$2,976

Sacramento$2,976

Orlando$2,958

Outer Banks$2,943

Stockton$2,931

Youngstown$1,332

Philadelphia is #74 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 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

Promoting to O-3 here adds $39 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 Philadelphia to San Francisco at O-2 is worth $2,475 a month — about 63 promotions worth of housing allowance, at $39 per grade here.

Dependency status is worth 14% 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. $2,976 a month of BAH takes more than $2,976 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-2 at Philadelphia draws $2,976 per month with dependents in 2026, $2,613 without

What this rate means

Things the rate table doesn't tell you