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

    W-5 with dependents at Rochester draws $2,988 per month in 2026

    Permalinkbahratedesk.com/rochester-ny/w-5/with/ExcelCSVDownloads cover this station.
    Rochester, NY
    W-5 · with dependents
    $2,988/ month
    $35,856 / year
    At W-5, this is #142 of 338 stations loaded · high Westchester County $7,338 · low Youngstown $1,806
    MHA NY221 · ZIPs 14410 14420 14428 14430 14445 14450 +56 more
    Your grade is calledARMYCW5USMCCWO5NAVYCWO5
    Untaxed — matching it with taxable pay takes$3,831 / mo gross
    Other dependency status here$2,625 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Rochester — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,941$1,455
    E-2$1,941$1,455
    E-3$1,941$1,455
    E-4$1,941$1,455
    E-5$2,214$1,662
    E-6$2,517$1,887
    E-7$2,604$1,953
    E-8$2,697$2,280
    E-9$2,832$2,364
    Warrant officer
    W-1$2,535$1,902
    W-2$2,643$2,277
    W-3$2,760$2,376
    W-4$2,859$2,532
    W-5$2,988$2,625
    Officer — prior enlisted
    O-1E$2,619$2,211
    O-2E$2,739$2,343
    O-3E$2,880$2,508
    Officer
    O-1$2,259$1,695
    O-2$2,514$2,127
    O-3$2,757$2,403
    O-4$3,027$2,601
    O-5$3,222$2,652
    O-6$3,249$2,736
    O-7$3,270$2,784
    PCS compareRochester · W-5 · $2,988/mo
    Aberdeen Proving Grounds$3,348/mo · $40,176/yr
    ▲ RAISE+$360+$4,320/yr · like +$5,538 of salary

    What this rate means

    W-5 with dependents, nearest stations0 – $7,338 / month
    Westchester County$7,338
    Richmond$2,991
    Savannah$2,991
    County Cost Group 820$2,988
    Houston$2,988
    Rochester$2,988
    Fort Collins$2,985
    Gainesville$2,982
    Yakima$2,970
    Salem$2,967
    Youngstown$1,806

    Rochester is #142 of 338. The spread between the dearest and cheapest station at this grade is $5,532 a month — $66,384 a year, untaxed.

    Every pay grade at Rochester0 – $3,270 / month
    E-1$1,941
    E-2$1,941
    E-3$1,941
    E-4$1,941
    E-5$2,214
    E-6$2,517
    E-7$2,604
    E-8$2,697
    E-9$2,832
    W-1$2,535
    W-2$2,643
    W-3$2,760
    W-4$2,859
    W-5$2,988
    O-1E$2,619
    O-2E$2,739
    O-3E$2,880
    O-1$2,259
    O-2$2,514
    O-3$2,757
    O-4$3,027
    O-5$3,222
    O-6$3,249
    O-7$3,270

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    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. $2,988 a month of BAH takes more than $2,988 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.