What is O-1E BAH at Phoenix in 2026?

$2,478 per month with dependents ($29,736 per year), effective 01 JAN 2026. Without dependents it is $2,286 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-1E BAH at Phoenix 2026 — $2,478 with dependents, $2,286 without

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

Phoenix, AZ

O-1E · with dependents

$2,478/ month

$29,736 / year

At O-1E, this is #162 of 338 stations loaded · high Westchester County $5,931 · low Youngstown $1,521

MHA AZ013 · ZIPs 85001 85002 85003 85004 85005 85006 +216 more

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$3,177 / mo gross

Without dependents here$2,286 / mo

In government quarters, no dependents$50.10 / mo partial

Phoenix — full sheetTap a row

Grade	With 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

O-1E with dependents, nearest stations0 – $5,931 / month

Westchester County$5,931

Fort Stewart$2,502

Gainesville$2,502

Fort Carson$2,496

County Cost Group 810$2,487

Phoenix$2,478

Omaha$2,472

Charlotte$2,460

Carlisle Barracks$2,451

Chattanooga$2,448

Youngstown$1,521

Phoenix is #162 of 338. The spread between the dearest and cheapest station at this grade is $4,410 a month — $52,920 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-2E here adds $9 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 Phoenix to Westchester County at O-1E is worth $3,453 a month — about 384 promotions worth of housing allowance, at $9 per grade here.

Dependency status is worth 8% 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. $2,478 a month of BAH takes more than $2,478 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-1E at Phoenix draws $2,478 per month with dependents in 2026, $2,286 without

What this rate means

Things the rate table doesn't tell you