What is E-5 BAH at Springfield in 2026?

$1,389 per month with dependents ($16,668 per year), effective 01 JAN 2026. Without dependents it is $1,167 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-5 BAH at Springfield 2026 — $1,389 with dependents, $1,167 without

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

Springfield, MO

E-5 · with dependents

$1,389/ month

$16,668 / year

At E-5, this is #312 of 338 stations loaded · high San Francisco $5,127 · low Anniston $1,185

MHA MO164 · ZIPs 65604 65610 65612 65619 65620 65629 +32 more

Your grade is calledARMYSGTUSMCSgtNAVYPO2USAFSSgt

Untaxed — matching it with taxable pay takes$1,781 / mo gross

Without dependents here$1,167 / mo

In government quarters, no dependents$50.10 / mo partial

Springfield — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,293	$1,146
E-2	$1,293	$1,146
E-3	$1,293	$1,146
E-4	$1,293	$1,146
E-5	$1,389	$1,167
E-6	$1,857	$1,392
E-7	$1,908	$1,431
E-8	$1,962	$1,488
E-9	$2,103	$1,623
Warrant officer
W-1	$1,878	$1,410
W-2	$1,932	$1,485
W-3	$2,001	$1,641
W-4	$2,142	$1,863
W-5	$2,319	$1,920
Officer — prior enlisted
O-1E	$1,914	$1,437
O-2E	$1,989	$1,593
O-3E	$2,169	$1,851
Officer
O-1	$1,452	$1,194
O-2	$1,851	$1,434
O-3	$1,998	$1,686
O-4	$2,376	$1,902
O-5	$2,649	$1,986
O-6	$2,670	$2,004
O-7	$2,685	$2,013

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month

San Francisco$5,127

Columbus AFB$1,398

Hattiesburg$1,395

Sparta$1,395

County Cost Group 590$1,392

Springfield$1,389

County Cost Group 580$1,380

Columbia$1,377

Wichita$1,377

Albany$1,371

Anniston$1,185

Springfield is #312 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Springfield0 – $2,685 / month

E-1$1,293

E-2$1,293

E-3$1,293

E-4$1,293

E-5$1,389

E-6$1,857

E-7$1,908

E-8$1,962

E-9$2,103

W-1$1,878

W-2$1,932

W-3$2,001

W-4$2,142

W-5$2,319

O-1E$1,914

O-2E$1,989

O-3E$2,169

O-1$1,452

O-2$1,851

O-3$1,998

O-4$2,376

O-5$2,649

O-6$2,670

O-7$2,685

Promoting to E-6 here adds $468 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 San Francisco at E-5 is worth $3,738 a month — about 8 promotions worth of housing allowance, at $468 per grade here.

Dependency status is worth 19% 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. $1,389 a month of BAH takes more than $1,389 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-5 at Springfield draws $1,389 per month with dependents in 2026, $1,167 without

What this rate means

Things the rate table doesn't tell you