What is O-5 BAH at Salt Lake City in 2026?

$3,096 per month with dependents ($37,152 per year), effective 01 JAN 2026. Without dependents it is $2,586 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 Salt Lake City 2026 — $3,096 with dependents, $2,586 without

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

Salt Lake City, UT

O-5 · with dependents

$3,096/ month

$37,152 / year

At O-5, this is #160 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827

MHA UT292 · ZIPs 84006 84009 84010 84014 84020 84029 +69 more

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Untaxed — matching it with taxable pay takes$3,969 / mo gross

Without dependents here$2,586 / mo

In government quarters, no dependents$50.10 / mo partial

Salt Lake City — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,944	$1,536
E-2	$1,944	$1,536
E-3	$1,944	$1,536
E-4	$1,944	$1,536
E-5	$2,130	$1,671
E-6	$2,358	$1,773
E-7	$2,496	$1,950
E-8	$2,649	$2,181
E-9	$2,802	$2,241
Warrant officer
W-1	$2,376	$1,887
W-2	$2,559	$2,178
W-3	$2,748	$2,250
W-4	$2,823	$2,385
W-5	$2,922	$2,529
Officer — prior enlisted
O-1E	$2,523	$2,127
O-2E	$2,718	$2,226
O-3E	$2,838	$2,349
Officer
O-1	$2,166	$1,752
O-2	$2,355	$2,070
O-3	$2,742	$2,271
O-4	$2,946	$2,502
O-5	$3,096	$2,586
O-6	$3,120	$2,727
O-7	$3,141	$2,772

What this rate means

O-5 with dependents, nearest stations0 – $8,064 / month

Westchester County$8,064

Fort Stewart$3,129

Coos Bay$3,117

Hampton$3,099

Tallahassee$3,099

Salt Lake City$3,096

Waco$3,093

Jackson$3,084

Dover AFB$3,081

Carlisle Barracks$3,069

Youngstown$1,827

Salt Lake City is #160 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 Salt Lake City0 – $3,141 / month

E-1$1,944

E-2$1,944

E-3$1,944

E-4$1,944

E-5$2,130

E-6$2,358

E-7$2,496

E-8$2,649

E-9$2,802

W-1$2,376

W-2$2,559

W-3$2,748

W-4$2,823

W-5$2,922

O-1E$2,523

O-2E$2,718

O-3E$2,838

O-1$2,166

O-2$2,355

O-3$2,742

O-4$2,946

O-5$3,096

O-6$3,120

O-7$3,141

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 Salt Lake City to Westchester County at O-5 is worth $4,968 a month — about 207 promotions worth of housing allowance, at $24 per grade here.

Dependency status is worth 20% 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. $3,096 a month of BAH takes more than $3,096 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 Salt Lake City draws $3,096 per month with dependents in 2026, $2,586 without

What this rate means

Things the rate table doesn't tell you