What is O-5 BAH at Rock Island in 2026?

$2,868 per month with dependents ($34,416 per year), effective 01 JAN 2026. Without dependents it is $2,265 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 Rock Island 2026 — $2,868 with dependents, $2,265 without

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

Rock Island, IL

O-5 · with dependents

$2,868/ month

$34,416 / year

At O-5, this is #199 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827

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

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Untaxed — matching it with taxable pay takes$3,677 / mo gross

Without dependents here$2,265 / 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-5 with dependents, nearest stations0 – $8,064 / month

Westchester County$8,064

Morehead$2,898

Johnson City$2,895

Dahlonega$2,892

Albuquerque$2,871

Rock Island$2,868

Rapid City$2,850

Fayetteville$2,847

Kansas City$2,847

Lexington$2,841

Youngstown$1,827

Rock Island is #199 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 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-6 here adds $24 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-5 is worth $5,196 a month — about 217 promotions worth of housing allowance, at $24 per grade here.

Dependency status is worth 27% 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. $2,868 a month of BAH takes more than $2,868 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 Rock Island draws $2,868 per month with dependents in 2026, $2,265 without

What this rate means

Things the rate table doesn't tell you