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 without dependents at Richmond draws $2,295 per month in 2026

    Permalinkbahratedesk.com/richmond-fort-lee-va/o-2/without/ExcelCSVDownloads cover this station.
    Richmond/Fort Lee, VA
    O-2 · without dependents
    $2,295/ month
    $27,540 / year
    At O-2, this is #118 of 338 stations loaded · high New York City $5,091 · low Youngstown $1,176
    MHA VA301 · ZIPs 23058 23059 23060 23075 23112 23113 +65 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$2,942 / mo gross
    Other dependency status here$2,625 with 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 · $2,295/mo
    Aberdeen Proving Grounds$2,412/mo · $28,944/yr
    ▲ RAISE+$117+$1,404/yr · like +$1,800 of salary

    What this rate means

    O-2 without dependents, nearest stations0 – $5,091 / month
    New York City$5,091
    Reno$2,322
    Ocala$2,319
    Corvallis$2,307
    Fort Carson$2,295
    Richmond$2,295
    JB Elmendorf-Richardson$2,286
    Austin$2,283
    County Cost Group 840$2,274
    Fort Stewart$2,268
    Youngstown$1,176

    Richmond is #118 of 338. The spread between the dearest and cheapest station at this grade is $3,915 a month — $46,980 a year, untaxed.

    Every pay grade at Richmond0 – $2,784 / month
    E-1$1,728
    E-2$1,728
    E-3$1,728
    E-4$1,728
    E-5$1,866
    E-6$1,971
    E-7$2,163
    E-8$2,418
    E-9$2,490
    W-1$2,094
    W-2$2,415
    W-3$2,502
    W-4$2,631
    W-5$2,685
    O-1E$2,355
    O-2E$2,475
    O-3E$2,619
    O-1$1,950
    O-2$2,295
    O-3$2,526
    O-4$2,670
    O-5$2,694
    O-6$2,739
    O-7$2,784

    Promoting to O-3 here adds $231 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 New York City at O-2 is worth $2,796 a month — about 12 promotions worth of housing allowance, at $231 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. $2,295 a month of BAH takes more than $2,295 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.