Official data current

Providence BAH rates

Verified · Effective 2026-01-01 · MHA RI257

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O-5 · With dependents
$4,533per month

$54,396 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #43 of 338O-5 · with dependents reference
Taxable-pay equivalent$5,812/mo Using the stated 22% comparison rate
Year-over-year change+$198/mo · +4.6%2025 $4,335 → 2026 $4,533
O-5 rate selectedMHA RI257 ZIPs 01504 01529 02019 02038 02070 02093 +96
PCS compare Providence · O-5 · with dep. · $4,533/mo
Providence $4,533/mo · $54,396/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.

Comparison uses with-dependents rates. Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

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Rate history

How updates work
2025$4,335
2026$4,533

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Providence — full sheet Tap a row

What this rate means

O-5 with dependents, nearest stations0 – $8,064 / month
Westchester County $8,064
Burlington $4,857
Seattle $4,797
Ventura $4,788
West Palm Beach $4,782
Manchester $4,707
Washington $4,692
Worcester $4,686
Newport $4,668
Warrenton $4,599
New Haven $4,590
Providence $4,533
County Cost Group 890 $4,530
Hartford $4,395
Vandenberg SFB $4,356
Atlantic City $4,296
Indian Head Navordsta $4,278
Hawaii County $4,263
Boulder $4,218
County Cost Group 880 $4,137
Ann Arbor $4,128
JB McGuire-Dix-Lakehurst $4,122
Youngstown $1,827

Providence is #43 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 a year, untaxed.

Every pay grade at Providence0 – $4,608 / month
E-1 $3,045
E-2 $3,045
E-3 $3,045
E-4 $3,045
E-5 $3,195
E-6 $3,456
E-7 $3,657
E-8 $3,876
E-9 $4,101
W-1 $3,477
W-2 $3,747
W-3 $4,017
W-4 $4,131
W-5 $4,272
O-1E $3,699
O-2E $3,978
O-3E $4,152
O-1 $3,234
O-2 $3,453
O-3 $4,008
O-4 $4,317
O-5 $4,533
O-6 $4,572
O-7 $4,608

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

Moving from Providence to Westchester County at O-5 is worth $3,531 a month — about 91 promotions at this grade. Where you are stationed outweighs rank, by a lot.

What the rate table does not 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.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…