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-2 with dependents at Richmond draws $2,625 per month in 2026

    Permalinkbahratedesk.com/richmond-fort-lee-va/o-2/with/ExcelCSVDownloads cover this station.
    Richmond/Fort Lee, VA
    O-2 · with dependents
    $2,625/ month
    $31,500 / year
    At O-2, this is #122 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332
    MHA VA301 · ZIPs 23058 23059 23060 23075 23112 23113 +65 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$3,365 / mo gross
    Other dependency status here$2,295 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Richmond — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,157$1,728
    E-2$2,157$1,728
    E-3$2,157$1,728
    E-4$2,157$1,728
    E-5$2,358$1,866
    E-6$2,628$1,971
    E-7$2,676$2,163
    E-8$2,727$2,418
    E-9$2,835$2,490
    Warrant officer
    W-1$2,646$2,094
    W-2$2,694$2,415
    W-3$2,763$2,502
    W-4$2,862$2,631
    W-5$2,991$2,685
    Officer — prior enlisted
    O-1E$2,682$2,355
    O-2E$2,751$2,475
    O-3E$2,883$2,619
    Officer
    O-1$2,400$1,950
    O-2$2,625$2,295
    O-3$2,760$2,526
    O-4$3,030$2,670
    O-5$3,231$2,694
    O-6$3,255$2,739
    O-7$3,276$2,784
    PCS compareRichmond · O-2 · $2,625/mo
    Aberdeen Proving Grounds$2,739/mo · $32,868/yr
    ▲ RAISE+$114+$1,368/yr · like +$1,754 of salary

    What this rate means

    O-2 with dependents, nearest stations0 – $5,451 / month
    San Francisco$5,451
    County Cost Group 840$2,652
    St. Louis$2,652
    Savannah$2,649
    Knoxville$2,646
    Richmond$2,625
    Charleston$2,613
    Pittsburgh$2,601
    Detroit$2,580
    County Cost Group 830$2,577
    Youngstown$1,332

    Richmond is #122 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 a year, untaxed.

    Every pay grade at Richmond0 – $3,276 / month
    E-1$2,157
    E-2$2,157
    E-3$2,157
    E-4$2,157
    E-5$2,358
    E-6$2,628
    E-7$2,676
    E-8$2,727
    E-9$2,835
    W-1$2,646
    W-2$2,694
    W-3$2,763
    W-4$2,862
    W-5$2,991
    O-1E$2,682
    O-2E$2,751
    O-3E$2,883
    O-1$2,400
    O-2$2,625
    O-3$2,760
    O-4$3,030
    O-5$3,231
    O-6$3,255
    O-7$3,276

    Promoting to O-3 here adds $135 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 Richmond to San Francisco at O-2 is worth $2,826 a month — about 21 promotions worth of housing allowance, at $135 per grade here.

    02

    Dependency status is worth 14% 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. $2,625 a month of BAH takes more than $2,625 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.