What is E-7 BAH at Sparta in 2026?

$1,407 per month without dependents ($16,884 per year), effective 01 JAN 2026. with dependents it is $1,875 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.

E-7 BAH at Sparta 2026 — $1,407/mo without dependents

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

Sparta/Fort McCoy, WI

E-7 · without dependents

$1,407/ month

$16,884 / year

At E-7, this is #295 of 338 stations loaded · high New York City $5,088 · low Youngstown $1,131

MHA WI318 · ZIPs 54601 54602 54603 54614 54619 54620 +13 more

Your grade is calledARMYSFCUSMCGySgtNAVYCPOUSAFMSgt

Untaxed — matching it with taxable pay takes$1,804 / mo gross

Other dependency status here$1,875 with dependents

In government quarters, no dependents$50.10 / mo partial

Sparta — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,380	$1,173
E-2	$1,380	$1,173
E-3	$1,380	$1,173
E-4	$1,380	$1,173
E-5	$1,395	$1,290
E-6	$1,845	$1,383
E-7	$1,875	$1,407
E-8	$1,905	$1,488
E-9	$1,971	$1,620
Warrant officer
W-1	$1,866	$1,401
W-2	$1,887	$1,485
W-3	$1,926	$1,638
W-4	$1,989	$1,848
W-5	$2,073	$1,881
Officer — prior enlisted
O-1E	$1,878	$1,413
O-2E	$1,917	$1,590
O-3E	$2,001	$1,839
Officer
O-1	$1,455	$1,362
O-2	$1,842	$1,410
O-3	$1,923	$1,680
O-4	$2,094	$1,866
O-5	$2,223	$1,884
O-6	$2,238	$1,902
O-7	$2,250	$1,932

What this rate means

E-7 without dependents, nearest stations0 – $5,088 / month

New York City$5,088

County Cost Group 710$1,419

Springfield$1,416

Terre Haute$1,416

Lubbock$1,413

Sparta$1,407

County Cost Group 700$1,404

Fort Polk$1,404

Huntington$1,404

County Cost Group 690$1,392

Youngstown$1,131

Sparta is #295 of 338. The spread between the dearest and cheapest station at this grade is $3,957 a month — $47,484 a year, untaxed.

Every pay grade at Sparta0 – $1,932 / month

E-1$1,173

E-2$1,173

E-3$1,173

E-4$1,173

E-5$1,290

E-6$1,383

E-7$1,407

E-8$1,488

E-9$1,620

W-1$1,401

W-2$1,485

W-3$1,638

W-4$1,848

W-5$1,881

O-1E$1,413

O-2E$1,590

O-3E$1,839

O-1$1,362

O-2$1,410

O-3$1,680

O-4$1,866

O-5$1,884

O-6$1,902

O-7$1,932

Promoting to E-8 here adds $81 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 Sparta to New York City at E-7 is worth $3,681 a month — about 45 promotions worth of housing allowance, at $81 per grade here.

Dependency status is worth 33% 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. $1,407 a month of BAH takes more than $1,407 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.

E-7 without dependents at Sparta draws $1,407 per month in 2026

What this rate means

Things the rate table doesn't tell you