What is O-5 BAH at Springfield in 2026?

$2,412 per month with dependents ($28,944 per year), effective 01 JAN 2026. Without dependents it is $1,920 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 Springfield 2026 — $2,412 with dependents, $1,920 without

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

Springfield/Decatur, IL

O-5 · with dependents

$2,412/ month

$28,944 / year

At O-5, this is #296 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827

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

Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col

Untaxed — matching it with taxable pay takes$3,092 / mo gross

Without dependents here$1,920 / 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-5 with dependents, nearest stations0 – $8,064 / month

Westchester County$8,064

Wichita$2,445

County Cost Group 710$2,424

Goodfellow AFB$2,415

Vance AFB$2,415

Springfield$2,412

County Cost Group 700$2,400

Bismarck$2,391

County Cost Group 690$2,382

Meridian$2,382

Youngstown$1,827

Springfield is #296 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 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-6 here adds $18 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-5 is worth $5,652 a month — about 314 promotions worth of housing allowance, at $18 per grade here.

Dependency status is worth 26% 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. $2,412 a month of BAH takes more than $2,412 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 Springfield draws $2,412 per month with dependents in 2026, $1,920 without

What this rate means

Things the rate table doesn't tell you