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-5 with dependents at Providence draws $4,533 per month in 2026

    Permalinkbahratedesk.com/providence-ri/o-5/with/ExcelCSVDownloads cover this station.
    Providence, RI
    O-5 · with dependents
    $4,533/ month
    $54,396 / year
    At O-5, this is #43 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA RI257 · ZIPs 01504 01529 02019 02038 02070 02093 +96 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$5,812 / mo gross
    Other dependency status here$3,792 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Providence — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,045$2,283
    E-2$3,045$2,283
    E-3$3,045$2,283
    E-4$3,045$2,283
    E-5$3,195$2,682
    E-6$3,456$2,907
    E-7$3,657$3,048
    E-8$3,876$3,255
    E-9$4,101$3,324
    Warrant officer
    W-1$3,477$3,006
    W-2$3,747$3,252
    W-3$4,017$3,333
    W-4$4,131$3,498
    W-5$4,272$3,708
    Officer — prior enlisted
    O-1E$3,699$3,192
    O-2E$3,978$3,306
    O-3E$4,152$3,447
    Officer
    O-1$3,234$2,892
    O-2$3,453$3,150
    O-3$4,008$3,357
    O-4$4,317$3,669
    O-5$4,533$3,792
    O-6$4,572$3,996
    O-7$4,608$4,068
    PCS compareProvidence · O-5 · $4,533/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▼ CUT−$903−$10,836/yr · like −$13,892 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    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
    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

    Promoting to O-6 here adds $39 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 Providence to Westchester County at O-5 is worth $3,531 a month — about 91 promotions worth of housing allowance, at $39 per grade here.

    02

    Dependency status is worth 20% 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. $4,533 a month of BAH takes more than $4,533 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.