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 $2,289 Without $1,740

E-5 at Phoenix draws $2,289 per month with dependents in 2026, $1,740 without

Permalink bahratedesk.com/phoenix-az/ Excel CSV
Phoenix, AZ
E-5 · with dependents
$2,289/ month
$27,468 / year
At E-5, this is #124 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA AZ013 · ZIPs 85001 85002 85003 85004 85005 85006 +216 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,935 / mo gross
Without dependents here $1,740 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Phoenix · E-5 · $2,289/mo
Phoenix $2,289/mo · $27,468/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.

Phoenix — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $2,061 $1,587
E-2 $2,061 $1,587
E-3 $2,061 $1,587
E-4 $2,061 $1,587
E-5 $2,289 $1,740
E-6 $2,457 $1,857
E-7 $2,475 $2,070
E-8 $2,484 $2,331
E-9 $2,517 $2,367
Warrant officer
W-1 $2,472 $1,992
W-2 $2,481 $2,328
W-3 $2,493 $2,376
W-4 $2,535 $2,448
W-5 $2,622 $2,460
Officer — prior enlisted
O-1E $2,478 $2,286
O-2E $2,487 $2,358
O-3E $2,547 $2,445
Officer
O-1 $2,319 $1,830
O-2 $2,454 $2,217
O-3 $2,490 $2,391
O-4 $2,646 $2,451
O-5 $2,775 $2,463
O-6 $2,796 $2,466
O-7 $2,814 $2,487

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Allentown $2,373
Charlottesville $2,373
Ocala $2,370
Bremerton $2,364
Detroit $2,361
Fort Carson $2,358
Richmond $2,358
County Cost Group 840 $2,322
Dahlgren $2,313
Fort Stewart $2,310
Phoenix $2,289
Volusia County $2,286
Cincinnati $2,283
Pittsburgh $2,283
Dover AFB $2,277
Hampton $2,274
Fort Collins $2,268
Nashville $2,268
County Cost Group 830 $2,250
Austin $2,241
Asheville $2,214
Anniston $1,185

Phoenix is #124 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 Phoenix0 – $2,814 / month
E-1 $2,061
E-2 $2,061
E-3 $2,061
E-4 $2,061
E-5 $2,289
E-6 $2,457
E-7 $2,475
E-8 $2,484
E-9 $2,517
W-1 $2,472
W-2 $2,481
W-3 $2,493
W-4 $2,535
W-5 $2,622
O-1E $2,478
O-2E $2,487
O-3E $2,547
O-1 $2,319
O-2 $2,454
O-3 $2,490
O-4 $2,646
O-5 $2,775
O-6 $2,796
O-7 $2,814

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

Moving from Phoenix to San Francisco at E-5 is worth $2,838 a month — about 17 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.