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 Sparta draws $2,223 per month in 2026

    Permalinkbahratedesk.com/sparta-fort-mccoy-wi/o-5/with/ExcelCSVDownloads cover this station.
    Sparta/Fort McCoy, WI
    O-5 · with dependents
    $2,223/ month
    $26,676 / year
    At O-5, this is #325 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA WI318 · ZIPs 54601 54602 54603 54614 54619 54620 +13 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$2,850 / mo gross
    Other dependency status here$1,884 without 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-5 · $2,223/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$1,407+$16,884/yr · like +$21,646 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    County Cost Group 570$2,238
    County Cost Group 560$2,226
    Erie$2,226
    Fort Leonard Wood$2,223
    Sparta$2,223
    County Cost Group 550$2,214
    County Cost Group 540$2,205
    Frankfort$2,199
    County Cost Group 530$2,196
    Youngstown$1,827

    Sparta is #325 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 Sparta0 – $2,250 / month
    E-1$1,380
    E-2$1,380
    E-3$1,380
    E-4$1,380
    E-5$1,395
    E-6$1,845
    E-7$1,875
    E-8$1,905
    E-9$1,971
    W-1$1,866
    W-2$1,887
    W-3$1,926
    W-4$1,989
    W-5$2,073
    O-1E$1,878
    O-2E$1,917
    O-3E$2,001
    O-1$1,455
    O-2$1,842
    O-3$1,923
    O-4$2,094
    O-5$2,223
    O-6$2,238
    O-7$2,250

    Promoting to O-6 here adds $15 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 Westchester County at O-5 is worth $5,841 a month — about 389 promotions worth of housing allowance, at $15 per grade here.

    02

    Dependency status is worth 18% 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. $2,223 a month of BAH takes more than $2,223 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.