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-2 without dependents at Sparta draws $1,410 per month in 2026

    Permalinkbahratedesk.com/sparta-fort-mccoy-wi/o-2/without/ExcelCSVDownloads cover this station.
    Sparta/Fort McCoy, WI
    O-2 · without dependents
    $1,410/ month
    $16,920 / year
    At O-2, this is #305 of 338 stations loaded · high New York City $5,091 · low Youngstown $1,176
    MHA WI318 · ZIPs 54601 54602 54603 54614 54619 54620 +13 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$1,808 / mo gross
    Other dependency status here$1,842 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Sparta — full sheetTap a row
    GradeWith 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
    PCS compareSparta · O-2 · $1,410/mo
    Aberdeen Proving Grounds$2,412/mo · $28,944/yr
    ▲ RAISE+$1,002+$12,024/yr · like +$15,415 of salary

    What this rate means

    O-2 without dependents, nearest stations0 – $5,091 / month
    New York City$5,091
    Springfield$1,434
    County Cost Group 670$1,431
    County Cost Group 660$1,419
    County Cost Group 650$1,410
    Sparta$1,410
    Fort Polk$1,407
    County Cost Group 640$1,404
    County Cost Group 630$1,395
    County Cost Group 620$1,389
    Youngstown$1,176

    Sparta is #305 of 338. The spread between the dearest and cheapest station at this grade is $3,915 a month — $46,980 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 O-3 here adds $270 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 Sparta to New York City at O-2 is worth $3,681 a month — about 14 promotions worth of housing allowance, at $270 per grade here.

    02

    Dependency status is worth 31% 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. $1,410 a month of BAH takes more than $1,410 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.