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

Press Enter to look it up.

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
With $2,436 Without $1,947

E-5 at St. Louis draws $2,436 per month with dependents in 2026, $1,947 without

Permalink bahratedesk.com/st-louis-mo/ Excel CSV
St. Louis, MO
E-5 · with dependents
$2,436/ month
$29,232 / year
At E-5, this is #98 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA MO161 · ZIPs 62001 62002 62010 62018 62021 62024 +143 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $3,123 / mo gross
Without dependents here $1,947 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare St. Louis · E-5 · $2,436/mo
St. Louis $2,436/mo · $29,232/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

St. Louis — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $2,268 $1,701
E-2 $2,268 $1,701
E-3 $2,268 $1,701
E-4 $2,268 $1,701
E-5 $2,436 $1,947
E-6 $2,655 $2,112
E-7 $2,691 $2,271
E-8 $2,733 $2,487
E-9 $2,841 $2,541
Warrant officer
W-1 $2,673 $2,220
W-2 $2,709 $2,484
W-3 $2,763 $2,553
W-4 $2,871 $2,655
W-5 $3,006 $2,700
Officer — prior enlisted
O-1E $2,694 $2,433
O-2E $2,751 $2,529
O-3E $2,892 $2,646
Officer
O-1 $2,472 $2,094
O-2 $2,652 $2,385
O-3 $2,760 $2,571
O-4 $3,048 $2,685
O-5 $3,261 $2,703
O-6 $3,285 $2,739
O-7 $3,309 $2,784

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Elizabeth City $2,508
Patrick SFB $2,502
County Cost Group 860 $2,487
Aberdeen Proving Grounds $2,478
Dallas $2,469
Oxford $2,445
Birmingham $2,439
Fresno $2,439
Fairbanks $2,436
Port Angeles $2,436
St. Louis $2,436
Eglin AFB $2,433
Norfolk $2,430
Great Lakes Navtracen $2,427
Savannah $2,415
County Cost Group 850 $2,409
Patuxent River $2,406
Beaufort $2,403
Reno $2,391
Atlanta $2,388
Corvallis $2,388
Anniston $1,185

St. Louis is #98 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 St. Louis0 – $3,309 / month
E-1 $2,268
E-2 $2,268
E-3 $2,268
E-4 $2,268
E-5 $2,436
E-6 $2,655
E-7 $2,691
E-8 $2,733
E-9 $2,841
W-1 $2,673
W-2 $2,709
W-3 $2,763
W-4 $2,871
W-5 $3,006
O-1E $2,694
O-2E $2,751
O-3E $2,892
O-1 $2,472
O-2 $2,652
O-3 $2,760
O-4 $3,048
O-5 $3,261
O-6 $3,285
O-7 $3,309

The pay chart moves this allowance far less than the map does.

Moving from St. Louis to San Francisco at E-5 is worth $2,691 a month — about 12 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.