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

    W-5 without dependents at Phoenix draws $2,460 per month in 2026

    Permalinkbahratedesk.com/phoenix-az/w-5/without/ExcelCSVDownloads cover this station.
    Phoenix, AZ
    W-5 · without dependents
    $2,460/ month
    $29,520 / year
    At W-5, this is #163 of 338 stations loaded · high Westchester County $5,946 · low Youngstown $1,527
    MHA AZ013 · ZIPs 85001 85002 85003 85004 85005 85006 +216 more
    Your grade is calledARMYCW5USMCCWO5NAVYCWO5
    Untaxed — matching it with taxable pay takes$3,154 / mo gross
    Other dependency status here$2,622 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 · W-5 · $2,460/mo
    Aberdeen Proving Grounds$2,892/mo · $34,704/yr
    ▲ RAISE+$432+$5,184/yr · like +$6,646 of salary

    What this rate means

    W-5 without dependents, every station0 – $5,946 / month
    Westchester County$5,946
    San Francisco$5,496
    New York City$5,280
    Nantucket$5,268
    Maui County$5,136
    Santa Clara County$5,076
    Northern New Jersey$5,067
    Boston$4,968
    Long Island$4,902
    Martha's Vineyard$4,791
    Hanscom AFB$4,608
    Camp Pendleton$4,518
    San Diego$4,455
    Kauai County$4,446
    Florida Keys$4,425
    Staten Island$4,368
    Los Angeles$4,341
    Monterey$4,305
    West Point$4,236
    Oakland$4,224
    Fort Monmouth$4,194
    Cape Cod-Plymouth$4,188
    Trenton$4,149
    Honolulu County$4,146
    Perth Amboy$4,146
    Essex CO$4,101
    Ventura$4,101
    Miami$4,083
    San Luis Obispo$4,068
    Seattle$4,047
    Portsmouth$4,044
    Marin$3,966
    Burlington$3,951
    Portland$3,888
    Hawaii County$3,882
    Washington$3,876
    Manchester$3,846
    New Haven$3,774
    West Palm Beach$3,771
    Newport$3,762
    Fitchburg$3,738
    Chicago$3,708
    Providence$3,708
    Vandenberg SFB$3,702
    County Cost Group 890$3,660
    Riverside$3,615
    Worcester$3,555
    Santa Fe$3,546
    Hartford$3,525
    Boulder$3,510
    Vallejo$3,510
    Indian Head Navordsta$3,507
    Warrenton$3,507
    JB McGuire-Dix-Lakehurst$3,492
    Juneau$3,453
    Atlantic City$3,441
    Willow Grove$3,405
    Everett$3,390
    San Bernardino$3,387
    Fort G. G. Meade$3,336
    County Cost Group 880$3,330
    Annapolis$3,321
    Sitka$3,315
    Quantico$3,240
    Ann Arbor$3,204
    Edwards AFB$3,204
    New London$3,177
    Fort Detrick$3,147
    Beale AFB$3,132
    Madison$3,132
    Denver$3,126
    Cape May$3,123
    County Cost Group 870$3,120
    Hampden County$3,114
    Brunswick$3,105
    Stockton$3,105
    Austin$3,096
    JB Elmendorf-Richardson$3,087
    Ketchikan$3,069
    Tampa$3,054
    Ballston Spa$3,030
    Baltimore$3,015
    Fort Myers Beach$3,012
    JB Lewis-McChord$3,009
    Outer Banks$3,006
    Sacramento$3,000
    Kodiak Island$2,997
    Astoria$2,985
    Philadelphia$2,982
    Orlando$2,967
    Port Angeles$2,958
    County Cost Group 860$2,946
    Fort Pierce$2,940
    Eglin AFB$2,922
    Traverse City$2,922
    Milwaukee$2,919
    Whidbey Island$2,910
    Bridgeport$2,901
    Aberdeen Proving Grounds$2,892
    Oxford$2,889
    Patrick SFB$2,889
    Portland$2,877
    Fresno$2,874
    Great Lakes Navtracen$2,874
    Bremerton$2,871
    Charlottesville$2,865
    County Cost Group 850$2,859
    Allentown$2,850
    Minneapolis$2,835
    Beaufort$2,829
    Abilene$2,826
    Dallas$2,823
    Rome$2,802
    Corvallis$2,781
    Coastal Maine$2,775
    Dahlgren$2,772
    County Cost Group 840$2,766
    Knoxville$2,766
    Dover AFB$2,745
    Reno$2,730
    Nashville$2,721
    Atlanta$2,712
    St. Louis$2,700
    County Cost Group 830$2,691
    Savannah$2,691
    Asheville$2,688
    Richmond$2,685
    Spokane$2,685
    Twenty Nine Palms MCB$2,670
    Detroit$2,667
    Charleston$2,661
    Fairbanks$2,655
    Fort Collins$2,655
    Buffalo$2,652
    Helena$2,643
    Patuxent River$2,643
    Rochester$2,625
    Norfolk$2,616
    Pittsburgh$2,610
    Eugene$2,607
    Elizabeth City$2,604
    County Cost Group 820$2,598
    Houston$2,598
    Syracuse$2,577
    Barstow$2,574
    Panama City$2,562
    Cincinnati$2,559
    Wilmington$2,559
    Humboldt County$2,556
    Volusia County$2,553
    Salem$2,538
    Birmingham$2,532
    Salt Lake City$2,529
    College Station$2,526
    Yakima$2,526
    Dahlonega$2,517
    Grand Haven$2,511
    Fort Stewart$2,508
    Gainesville$2,508
    Fort Carson$2,502
    County Cost Group 810$2,493
    Omaha$2,475
    Phoenix$2,460
    Carlisle Barracks$2,457
    Chattanooga$2,454
    New Orleans$2,454
    Durham$2,445
    Charlotte$2,442
    Hampton$2,439
    Battle Creek$2,436
    Coos Bay$2,433
    Myrtle Beach$2,433
    Cleveland$2,427
    Fort Worth$2,427
    Fargo$2,415
    Grand Rapids$2,415
    State College$2,412
    Ocala$2,406
    Columbus$2,391
    County Cost Group 800$2,382
    El Centro$2,382
    Provo$2,361
    Albuquerque$2,355
    Eastern Panhandle$2,352
    Eastern Shore$2,352
    Lemoore NAS$2,352
    Raleigh$2,349
    Duluth$2,343
    Corpus Christi$2,331
    Rapid City$2,328
    Louisville$2,325
    Memphis$2,322
    Cheyenne$2,319
    Boise$2,316
    Jackson$2,316
    Des Moines$2,310
    County Cost Group 790$2,307
    Tallahassee$2,295
    Jacksonville$2,292
    Nellis AFB$2,283
    Ogden$2,283
    Bismarck$2,277
    Fort Campbell$2,277
    Kings Bay$2,271
    Fort Knox$2,265
    Rock Island$2,262
    Bangor$2,259
    Fort Leavenworth$2,250
    Indianapolis$2,250
    Mountain Home AFB$2,250
    Pensacola$2,241
    Kansas City$2,232
    County Cost Group 780$2,226
    Johnson City$2,223
    Waco$2,223
    Morehead$2,214
    Wichita Fls$2,208
    Fort Huachuca$2,199
    Baton Rouge$2,196
    Fort Gordon$2,196
    Bloomington$2,187
    Lincoln$2,184
    Fayetteville$2,181
    Marquette$2,178
    Greensboro$2,175
    Roanoke$2,175
    Lexington$2,172
    Fort Bliss$2,169
    Toledo$2,169
    Columbia$2,166
    County Cost Group 770$2,160
    Fort Wayne$2,160
    Fort Drum$2,154
    Davis-Monthan AFB$2,151
    Huntsville$2,142
    Greenville$2,133
    Shreveport$2,133
    Mobile$2,127
    Fort Hood$2,109
    Fort Bragg$2,103
    San Antonio (JBSA)$2,097
    Auburn$2,094
    Scott AFB$2,094
    Grand Forks$2,091
    County Cost Group 760$2,088
    Columbus AFB$2,079
    Seymour Johnson AFB$2,073
    Whiteman AFB$2,070
    Minot AFB$2,067
    Sioux Falls$2,061
    Lexington$2,055
    Champaign$2,046
    Lansing$2,046
    County Cost Group 750$2,037
    Fallon NAS$2,028
    Malmstrom SFB$2,022
    Robins AFB$2,019
    Tulsa$2,016
    Fort Benning$2,010
    Camp Lejeune$2,004
    Brownsville$1,998
    Goodfellow AFB$1,998
    Sumter$1,995
    White Sands MR$1,995
    County Cost Group 740$1,986
    Fort Rucker$1,977
    Wilkes-Barre$1,971
    Morgantown$1,965
    Frankfort$1,959
    Wright-Patterson AFB$1,959
    Moody AFB$1,956
    County Cost Group 730$1,953
    Topeka$1,953
    Akron$1,947
    Little Rock$1,947
    Paducah$1,944
    China Lake$1,941
    Peoria$1,941
    Sault Ste Marie$1,935
    Yuma$1,935
    County Cost Group 720$1,929
    Lafayette$1,929
    Beaumont$1,923
    Springfield$1,920
    County Cost Group 710$1,905
    Oklahoma City$1,905
    Springfield$1,902
    Terre Haute$1,902
    Laughlin AFB$1,899
    County Cost Group 700$1,887
    Lubbock$1,887
    Fort Polk$1,881
    Holloman AFB$1,881
    Sparta$1,881
    County Cost Group 690$1,872
    County Cost Group 680$1,860
    Fort Leonard Wood$1,860
    Fort Riley$1,860
    Columbia$1,848
    County Cost Group 670$1,848
    Huntington$1,839
    County Cost Group 660$1,836
    Montgomery$1,833
    County Cost Group 650$1,827
    County Cost Group 640$1,821
    County Cost Group 630$1,812
    Fort Chaffee$1,809
    St Mary And Terrebonne$1,809
    Charleston$1,806
    Gulfport$1,806
    County Cost Group 620$1,803
    Alexandria$1,800
    Wichita$1,800
    County Cost Group 610$1,794
    County Cost Group 600$1,788
    Saginaw$1,788
    Lake Charles$1,785
    County Cost Group 590$1,776
    County Cost Group 580$1,764
    Erie$1,764
    County Cost Group 570$1,752
    County Cost Group 560$1,743
    County Cost Group 550$1,731
    Meridian$1,728
    County Cost Group 540$1,722
    Cannon AFB$1,719
    County Cost Group 530$1,716
    Stevens Point$1,713
    County Cost Group 520$1,710
    Albany$1,707
    County Cost Group 510$1,707
    Altus AFB$1,686
    Hattiesburg$1,674
    Monroe$1,671
    Vance AFB$1,647
    Fort Sill$1,611
    Anniston$1,575
    Youngstown$1,527

    Phoenix is #163 of 338. The spread between the dearest and cheapest station at this grade is $4,419 a month — $53,028 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 7% 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. $2,460 a month of BAH takes more than $2,460 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.