What is O-2E BAH at Springfield in 2026?

$1,989 per month with dependents ($23,868 per year), effective 01 JAN 2026. Without dependents it is $1,656 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-2E BAH at Springfield 2026 — $1,989 with dependents, $1,656 without

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

Springfield/Decatur, IL

O-2E · with dependents

$1,989/ month

$23,868 / year

At O-2E, this is #286 of 338 stations loaded · high Westchester County $6,564 · low Anniston $1,671

MHA IL335 · ZIPs 61756 62501 62513 62514 62515 62520 +66 more

Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt

Untaxed — matching it with taxable pay takes$2,550 / mo gross

Without dependents here$1,656 / mo

In government quarters, no dependents$50.10 / mo partial

Springfield — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,356	$1,119
E-2	$1,356	$1,119
E-3	$1,356	$1,119
E-4	$1,356	$1,119
E-5	$1,527	$1,152
E-6	$1,824	$1,365
E-7	$1,887	$1,416
E-8	$1,959	$1,593
E-9	$2,070	$1,674
Warrant officer
W-1	$1,842	$1,383
W-2	$1,917	$1,590
W-3	$2,004	$1,686
W-4	$2,094	$1,833
W-5	$2,205	$1,902
Officer — prior enlisted
O-1E	$1,899	$1,524
O-2E	$1,989	$1,656
O-3E	$2,109	$1,815
Officer
O-1	$1,572	$1,182
O-2	$1,821	$1,476
O-3	$2,001	$1,713
O-4	$2,238	$1,884
O-5	$2,412	$1,920
O-6	$2,430	$1,983
O-7	$2,442	$2,013

What this rate means

O-2E with dependents, nearest stations0 – $6,564 / month

Westchester County$6,564

Fort Leonard Wood$2,010

County Cost Group 710$2,004

Moody AFB$1,995

Springfield$1,989

Terre Haute$1,989

St Mary And Terrebonne$1,986

County Cost Group 700$1,983

Akron$1,971

Anniston$1,671

Springfield is #286 of 338. The spread between the dearest and cheapest station at this grade is $4,893 a month — $58,716 a year, untaxed.

Every pay grade at Springfield0 – $2,442 / month

E-1$1,356

E-2$1,356

E-3$1,356

E-4$1,356

E-5$1,527

E-6$1,824

E-7$1,887

E-8$1,959

E-9$2,070

W-1$1,842

W-2$1,917

W-3$2,004

W-4$2,094

W-5$2,205

O-1E$1,899

O-2E$1,989

O-3E$2,109

O-1$1,572

O-2$1,821

O-3$2,001

O-4$2,238

O-5$2,412

O-6$2,430

O-7$2,442

Promoting to O-3E here adds $120 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 Springfield to Westchester County at O-2E is worth $4,575 a month — about 38 promotions worth of housing allowance, at $120 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. $1,989 a month of BAH takes more than $1,989 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-2E at Springfield draws $1,989 per month with dependents in 2026, $1,656 without

What this rate means

Things the rate table doesn't tell you