What is O-1E BAH at Rock Island in 2026?

$2,265 per month with dependents ($27,180 per year), effective 01 JAN 2026. Without dependents it is $1,905 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-1E BAH at Rock Island 2026 — $2,265 with dependents, $1,905 without

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

Rock Island, IL

O-1E · with dependents

$2,265/ month

$27,180 / year

At O-1E, this is #205 of 338 stations loaded · high Westchester County $5,931 · low Youngstown $1,521

MHA IL089 · ZIPs 52722 52726 52728 52745 52746 52748 +37 more

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$2,904 / mo gross

Without dependents here$1,905 / mo

In government quarters, no dependents$50.10 / mo partial

Rock Island — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,722	$1,389
E-2	$1,722	$1,389
E-3	$1,722	$1,389
E-4	$1,722	$1,389
E-5	$1,908	$1,476
E-6	$2,238	$1,680
E-7	$2,262	$1,728
E-8	$2,283	$1,980
E-9	$2,388	$2,073
Warrant officer
W-1	$2,259	$1,695
W-2	$2,268	$1,977
W-3	$2,301	$2,085
W-4	$2,421	$2,238
W-5	$2,577	$2,262
Officer — prior enlisted
O-1E	$2,265	$1,905
O-2E	$2,292	$2,052
O-3E	$2,448	$2,232
Officer
O-1	$1,956	$1,533
O-2	$2,235	$1,851
O-3	$2,298	$2,118
O-4	$2,628	$2,250
O-5	$2,868	$2,265
O-6	$2,892	$2,277
O-7	$2,910	$2,313

What this rate means

O-1E with dependents, nearest stations0 – $5,931 / month

Westchester County$5,931

Ogden$2,277

Bismarck$2,271

Fort Campbell$2,271

Kings Bay$2,265

Rock Island$2,265

Fort Knox$2,259

Pensacola$2,259

Bangor$2,250

Indianapolis$2,247

Youngstown$1,521

Rock Island is #205 of 338. The spread between the dearest and cheapest station at this grade is $4,410 a month — $52,920 a year, untaxed.

Every pay grade at Rock Island0 – $2,910 / month

E-1$1,722

E-2$1,722

E-3$1,722

E-4$1,722

E-5$1,908

E-6$2,238

E-7$2,262

E-8$2,283

E-9$2,388

W-1$2,259

W-2$2,268

W-3$2,301

W-4$2,421

W-5$2,577

O-1E$2,265

O-2E$2,292

O-3E$2,448

O-1$1,956

O-2$2,235

O-3$2,298

O-4$2,628

O-5$2,868

O-6$2,892

O-7$2,910

Promoting to O-2E 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 Rock Island to Westchester County at O-1E is worth $3,666 a month — about 136 promotions worth of housing allowance, at $27 per grade here.

Dependency status is worth 19% 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. $2,265 a month of BAH takes more than $2,265 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-1E at Rock Island draws $2,265 per month with dependents in 2026, $1,905 without

What this rate means

Things the rate table doesn't tell you