What is O-5 BAH at Reno in 2026?

$3,357 per month with dependents ($40,284 per year), effective 01 JAN 2026. Without dependents it is $2,736 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-5 BAH at Reno 2026 — $3,357 with dependents, $2,736 without

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

Reno/Carson City, NV

O-5 · with dependents

$3,357/ month

$40,284 / year

At O-5, this is #119 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827

MHA NV213 · ZIPs 89402 89412 89424 89431 89432 89433 +43 more

Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col

Untaxed — matching it with taxable pay takes$4,304 / mo gross

Without dependents here$2,736 / mo

In government quarters, no dependents$50.10 / mo partial

Reno — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,169	$1,698
E-2	$2,169	$1,698
E-3	$2,169	$1,698
E-4	$2,169	$1,698
E-5	$2,391	$1,851
E-6	$2,679	$2,007
E-7	$2,721	$2,178
E-8	$2,766	$2,454
E-9	$2,889	$2,532
Warrant officer
W-1	$2,697	$2,100
W-2	$2,739	$2,451
W-3	$2,802	$2,544
W-4	$2,922	$2,682
W-5	$3,075	$2,730
Officer — prior enlisted
O-1E	$2,724	$2,388
O-2E	$2,790	$2,514
O-3E	$2,946	$2,670
Officer
O-1	$2,433	$1,941
O-2	$2,676	$2,322
O-3	$2,799	$2,571
O-4	$3,120	$2,715
O-5	$3,357	$2,736
O-6	$3,384	$2,778
O-7	$3,408	$2,823

What this rate means

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

Westchester County$8,064

Tampa$3,390

Traverse City$3,390

Minneapolis$3,384

County Cost Group 830$3,366

Reno$3,357

Buffalo$3,324

Eugene$3,324

Norfolk$3,318

Wilmington$3,303

Youngstown$1,827

Reno is #119 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 Reno0 – $3,408 / month

E-1$2,169

E-2$2,169

E-3$2,169

E-4$2,169

E-5$2,391

E-6$2,679

E-7$2,721

E-8$2,766

E-9$2,889

W-1$2,697

W-2$2,739

W-3$2,802

W-4$2,922

W-5$3,075

O-1E$2,724

O-2E$2,790

O-3E$2,946

O-1$2,433

O-2$2,676

O-3$2,799

O-4$3,120

O-5$3,357

O-6$3,384

O-7$3,408

Promoting to O-6 here adds $27 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 Reno to Westchester County at O-5 is worth $4,707 a month — about 174 promotions worth of housing allowance, at $27 per grade here.

Dependency status is worth 23% 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. $3,357 a month of BAH takes more than $3,357 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-5 at Reno draws $3,357 per month with dependents in 2026, $2,736 without

What this rate means

Things the rate table doesn't tell you