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-5 with dependents at Sacramento draws $3,525 per month in 2026

    Permalinkbahratedesk.com/sacramento-ca/o-5/with/ExcelCSVDownloads cover this station.
    Sacramento, CA
    O-5 · with dependents
    $3,525/ month
    $42,300 / year
    At O-5, this is #100 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA CA034 · ZIPs 94203 94204 94205 94206 94209 94229 +152 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,519 / mo gross
    Other dependency status here$3,003 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Sacramento — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,598$2,016
    E-2$2,598$2,016
    E-3$2,598$2,016
    E-4$2,598$2,016
    E-5$2,904$2,190
    E-6$2,979$2,325
    E-7$2,997$2,610
    E-8$3,021$2,925
    E-9$3,114$2,934
    Warrant officer
    W-1$2,994$2,499
    W-2$3,006$2,922
    W-3$3,042$2,940
    W-4$3,144$2,973
    W-5$3,276$3,000
    Officer — prior enlisted
    O-1E$3,000$2,901
    O-2E$3,033$2,931
    O-3E$3,165$2,964
    Officer
    O-1$2,922$2,292
    O-2$2,976$2,805
    O-3$3,039$2,943
    O-4$3,318$2,988
    O-5$3,525$3,003
    O-6$3,552$3,015
    O-7$3,576$3,069
    PCS compareSacramento · O-5 · $3,525/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$105+$1,260/yr · like +$1,615 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Detroit$3,555
    Charlottesville$3,540
    Dahlgren$3,534
    Bridgeport$3,525
    Sacramento$3,525
    College Station$3,513
    Fort Myers Beach$3,504
    Beale AFB$3,492
    Knoxville$3,492
    Youngstown$1,827

    Sacramento is #100 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 Sacramento0 – $3,576 / month
    E-1$2,598
    E-2$2,598
    E-3$2,598
    E-4$2,598
    E-5$2,904
    E-6$2,979
    E-7$2,997
    E-8$3,021
    E-9$3,114
    W-1$2,994
    W-2$3,006
    W-3$3,042
    W-4$3,144
    W-5$3,276
    O-1E$3,000
    O-2E$3,033
    O-3E$3,165
    O-1$2,922
    O-2$2,976
    O-3$3,039
    O-4$3,318
    O-5$3,525
    O-6$3,552
    O-7$3,576

    Promoting to O-6 here adds $27 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 Sacramento to Westchester County at O-5 is worth $4,539 a month — about 168 promotions worth of housing allowance, at $27 per grade here.

    02

    Dependency status is worth 17% 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. $3,525 a month of BAH takes more than $3,525 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.