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
    WithWithout

    O-7 without dependents at Phoenix draws $2,487 per month in 2026

    Permalinkbahratedesk.com/phoenix-az/o-7/without/ExcelCSVDownloads cover this station.
    Phoenix, AZ
    O-7 · without dependents
    $2,487/ month
    $29,844 / year
    At O-7, this is #186 of 338 stations loaded · high Westchester County $6,759 · low Anniston $1,692
    MHA AZ013 · ZIPs 85001 85002 85003 85004 85005 85006 +216 more
    Your grade is calledARMYBGUSMCBGenNAVYRDMLUSAFBrig Gen
    Untaxed — matching it with taxable pay takes$3,188 / mo gross
    Other dependency status here$2,814 with dependents
    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-7 · $2,487/mo
    Aberdeen Proving Grounds$3,108/mo · $37,296/yr
    ▲ RAISE+$621+$7,452/yr · like +$9,554 of salary

    What this rate means

    O-7 without dependents, every station0 – $6,759 / month
    Westchester County$6,759
    Maui County$5,667
    San Francisco$5,634
    New York City$5,616
    Nantucket$5,523
    Santa Clara County$5,274
    Boston$5,241
    Northern New Jersey$5,163
    Long Island$5,136
    Martha's Vineyard$5,103
    Florida Keys$4,953
    Monterey$4,908
    Hanscom AFB$4,839
    Kauai County$4,731
    Camp Pendleton$4,725
    Staten Island$4,620
    Essex CO$4,605
    Los Angeles$4,590
    San Diego$4,575
    Portsmouth$4,536
    Miami$4,506
    Honolulu County$4,494
    Cape Cod-Plymouth$4,485
    West Point$4,440
    Trenton$4,422
    Oakland$4,419
    Fort Monmouth$4,392
    Portland$4,329
    Manchester$4,299
    Perth Amboy$4,296
    Seattle$4,275
    San Luis Obispo$4,272
    Ventura$4,269
    Burlington$4,263
    Marin$4,203
    Newport$4,200
    Fitchburg$4,119
    Washington$4,071
    Providence$4,068
    West Palm Beach$4,029
    Hawaii County$3,993
    New Haven$3,888
    County Cost Group 890$3,876
    Brunswick$3,828
    Vandenberg SFB$3,828
    Hartford$3,810
    Worcester$3,804
    Boulder$3,759
    Chicago$3,756
    Santa Fe$3,756
    Riverside$3,747
    Indian Head Navordsta$3,714
    Warrenton$3,711
    Atlantic City$3,669
    Juneau$3,636
    Everett$3,612
    JB McGuire-Dix-Lakehurst$3,594
    Vallejo$3,576
    County Cost Group 880$3,531
    Sitka$3,504
    Austin$3,495
    Annapolis$3,477
    Hampden County$3,474
    Madison$3,474
    Eglin AFB$3,453
    Fort G. G. Meade$3,450
    Willow Grove$3,447
    San Bernardino$3,438
    JB Elmendorf-Richardson$3,405
    Ann Arbor$3,396
    Ketchikan$3,372
    Quantico$3,363
    Stockton$3,351
    New London$3,345
    County Cost Group 870$3,309
    Edwards AFB$3,297
    Fort Detrick$3,291
    Ballston Spa$3,276
    Astoria$3,252
    Denver$3,240
    Milwaukee$3,231
    Cape May$3,222
    Kodiak Island$3,213
    Baltimore$3,192
    Beale AFB$3,171
    Fort Myers Beach$3,165
    JB Lewis-McChord$3,156
    Whidbey Island$3,144
    County Cost Group 860$3,123
    Outer Banks$3,120
    Port Angeles$3,114
    Fort Pierce$3,111
    Aberdeen Proving Grounds$3,108
    Tampa$3,102
    Traverse City$3,102
    Dover AFB$3,090
    Charlottesville$3,081
    Bremerton$3,078
    Sacramento$3,069
    Portland$3,063
    Great Lakes Navtracen$3,051
    Bridgeport$3,048
    County Cost Group 850$3,033
    Philadelphia$3,018
    Oxford$3,015
    Orlando$3,000
    Fairbanks$2,973
    Fresno$2,967
    County Cost Group 840$2,937
    Minneapolis$2,937
    Knoxville$2,934
    Patrick SFB$2,922
    Rome$2,907
    Coastal Maine$2,898
    Corvallis$2,892
    Allentown$2,883
    Beaufort$2,883
    Spokane$2,874
    Dahlgren$2,871
    Dallas$2,871
    Humboldt County$2,871
    Asheville$2,865
    Abilene$2,859
    County Cost Group 830$2,856
    Syracuse$2,844
    Twenty Nine Palms MCB$2,841
    Fort Collins$2,835
    Reno$2,823
    Nashville$2,808
    Detroit$2,805
    Buffalo$2,802
    Helena$2,802
    Patuxent River$2,796
    Eugene$2,793
    Richmond$2,784
    Rochester$2,784
    St. Louis$2,784
    Barstow$2,778
    Salt Lake City$2,772
    Savannah$2,769
    County Cost Group 820$2,757
    Atlanta$2,742
    Charleston$2,742
    Panama City$2,736
    Salem$2,736
    Coos Bay$2,730
    Yakima$2,730
    Gainesville$2,724
    Houston$2,724
    Norfolk$2,718
    College Station$2,712
    El Centro$2,697
    Elizabeth City$2,688
    Volusia County$2,655
    Wilmington$2,652
    County Cost Group 810$2,646
    Pittsburgh$2,637
    Cincinnati$2,625
    Omaha$2,625
    Fort Stewart$2,619
    Fort Carson$2,616
    Tallahassee$2,610
    State College$2,607
    Columbus$2,604
    Carlisle Barracks$2,580
    Grand Haven$2,574
    New Orleans$2,574
    Birmingham$2,556
    Provo$2,553
    Bangor$2,544
    Dahlonega$2,544
    Myrtle Beach$2,544
    Chattanooga$2,541
    Durham$2,538
    Battle Creek$2,535
    County Cost Group 800$2,532
    Fargo$2,532
    Jackson$2,526
    Fort Campbell$2,520
    Eastern Panhandle$2,499
    Bloomington$2,496
    Corpus Christi$2,496
    Fort Drum$2,496
    Rapid City$2,496
    Hampton$2,493
    Phoenix$2,487
    Lemoore NAS$2,469
    Charlotte$2,466
    Cheyenne$2,463
    Ocala$2,457
    Des Moines$2,454
    Grand Rapids$2,454
    Cleveland$2,451
    County Cost Group 790$2,451
    Fort Worth$2,451
    Morehead$2,445
    Fort Knox$2,442
    Auburn$2,439
    Kings Bay$2,439
    Eastern Shore$2,424
    Albuquerque$2,415
    Fort Leavenworth$2,415
    Louisville$2,412
    Marquette$2,409
    Raleigh$2,409
    Nellis AFB$2,400
    Waco$2,400
    Bismarck$2,388
    Boise$2,388
    Jacksonville$2,382
    Duluth$2,376
    Fayetteville$2,376
    Ogden$2,376
    County Cost Group 780$2,367
    Johnson City$2,364
    Fort Hood$2,361
    Fallon NAS$2,343
    Memphis$2,343
    Mountain Home AFB$2,343
    Wichita Fls$2,343
    Kansas City$2,328
    Indianapolis$2,322
    Roanoke$2,319
    Rock Island$2,313
    County Cost Group 770$2,298
    Lincoln$2,295
    Malmstrom SFB$2,289
    Fort Rucker$2,283
    Shreveport$2,283
    Greensboro$2,274
    Fort Gordon$2,262
    Whiteman AFB$2,262
    Pensacola$2,259
    Columbia$2,247
    Seymour Johnson AFB$2,244
    Huntsville$2,241
    Scott AFB$2,229
    County Cost Group 760$2,220
    Fort Huachuca$2,220
    Fort Wayne$2,220
    Greenville$2,220
    Baton Rouge$2,217
    Lexington$2,217
    Mobile$2,217
    Robins AFB$2,217
    Fort Bliss$2,214
    Goodfellow AFB$2,214
    Grand Forks$2,214
    Davis-Monthan AFB$2,211
    Columbus AFB$2,196
    Toledo$2,196
    Fort Bragg$2,190
    Minot AFB$2,190
    Brownsville$2,187
    China Lake$2,172
    County Cost Group 750$2,169
    Frankfort$2,151
    Champaign$2,145
    Lansing$2,145
    Laughlin AFB$2,145
    Lexington$2,142
    Columbia$2,139
    Tulsa$2,121
    Sioux Falls$2,118
    County Cost Group 740$2,112
    San Antonio (JBSA)$2,112
    Wright-Patterson AFB$2,112
    Camp Lejeune$2,097
    Wilkes-Barre$2,097
    White Sands MR$2,094
    County Cost Group 730$2,076
    Topeka$2,076
    Fort Benning$2,067
    Akron$2,064
    Sumter$2,064
    Yuma$2,061
    Gulfport$2,058
    County Cost Group 720$2,052
    Lafayette$2,052
    Peoria$2,052
    Paducah$2,049
    Fort Leonard Wood$2,043
    Morgantown$2,043
    County Cost Group 710$2,028
    St Mary And Terrebonne$2,022
    Terre Haute$2,019
    Moody AFB$2,013
    Springfield$2,013
    Springfield$2,013
    County Cost Group 700$2,007
    Lubbock$1,995
    County Cost Group 690$1,992
    Lake Charles$1,992
    Oklahoma City$1,986
    County Cost Group 680$1,980
    Little Rock$1,977
    Fort Chaffee$1,974
    Sault Ste Marie$1,971
    County Cost Group 670$1,968
    Meridian$1,968
    Fort Riley$1,965
    Alexandria$1,962
    County Cost Group 660$1,956
    Montgomery$1,950
    Wichita$1,950
    Fort Polk$1,947
    County Cost Group 650$1,944
    Beaumont$1,941
    County Cost Group 640$1,938
    Sparta$1,932
    County Cost Group 630$1,929
    Albany$1,926
    Huntington$1,923
    County Cost Group 620$1,920
    County Cost Group 610$1,911
    Holloman AFB$1,911
    County Cost Group 600$1,902
    County Cost Group 590$1,890
    Cannon AFB$1,887
    Erie$1,881
    County Cost Group 580$1,878
    Hattiesburg$1,878
    Charleston$1,872
    County Cost Group 570$1,866
    County Cost Group 560$1,854
    Saginaw$1,848
    Altus AFB$1,845
    County Cost Group 550$1,845
    County Cost Group 540$1,836
    Vance AFB$1,833
    County Cost Group 530$1,827
    County Cost Group 520$1,824
    County Cost Group 510$1,818
    Youngstown$1,779
    Fort Sill$1,767
    Monroe$1,734
    Stevens Point$1,722
    Anniston$1,692

    Phoenix is #186 of 338. The spread between the dearest and cheapest station at this grade is $5,067 a month — $60,804 a year, untaxed.

    Every pay grade at Phoenix0 – $2,487 / month
    E-1$1,587
    E-2$1,587
    E-3$1,587
    E-4$1,587
    E-5$1,740
    E-6$1,857
    E-7$2,070
    E-8$2,331
    E-9$2,367
    W-1$1,992
    W-2$2,328
    W-3$2,376
    W-4$2,448
    W-5$2,460
    O-1E$2,286
    O-2E$2,358
    O-3E$2,445
    O-1$1,830
    O-2$2,217
    O-3$2,391
    O-4$2,451
    O-5$2,463
    O-6$2,466
    O-7$2,487

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    Dependency status is worth 13% 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. $2,487 a month of BAH takes more than $2,487 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.