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 $2,319Without $1,830

    O-1 at Phoenix draws $2,319 per month with dependents in 2026, $1,830 without

    Permalinkbahratedesk.com/phoenix-az/o-1/ExcelCSVDownloads cover this station.
    Phoenix, AZ
    O-1 · with dependents
    $2,319/ month
    $27,828 / year
    At O-1, this is #127 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218
    MHA AZ013 · ZIPs 85001 85002 85003 85004 85005 85006 +216 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$2,973 / mo gross
    Without dependents here$1,830 / mo
    In government quarters, no dependents$50.10 / mo partial
    Phoenix — full sheetTap 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
    PCS comparePhoenix · O-1 · $2,319/mo
    Aberdeen Proving Grounds$2,517/mo · $30,204/yr
    ▲ RAISE+$198+$2,376/yr · like +$3,046 of salary

    What this rate means

    O-1 with dependents, nearest stations0 – $5,172 / month
    San Francisco$5,172
    Fort Stewart$2,334
    Pittsburgh$2,328
    Cincinnati$2,322
    Nashville$2,322
    Phoenix$2,319
    Volusia County$2,319
    Austin$2,313
    Dover AFB$2,310
    Fort Collins$2,307
    Youngstown$1,218

    Phoenix is #127 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 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

    Promoting to O-2 here adds $135 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 Phoenix to San Francisco at O-1 is worth $2,853 a month — about 21 promotions worth of housing allowance, at $135 per grade here.

    02

    Dependency status is worth 27% 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. $2,319 a month of BAH takes more than $2,319 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.