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 St. Louis draws $3,261 per month in 2026

    Permalinkbahratedesk.com/st-louis-mo/o-5/with/ExcelCSVDownloads cover this station.
    St. Louis, MO
    O-5 · with dependents
    $3,261/ month
    $39,132 / year
    At O-5, this is #131 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA MO161 · ZIPs 62001 62002 62010 62018 62021 62024 +143 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,181 / mo gross
    Other dependency status here$2,703 without dependents
    In government quarters, no dependents$50.10 / mo partial
    St. Louis — full sheetTap 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
    PCS compareSt. Louis · O-5 · $3,261/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$369+$4,428/yr · like +$5,677 of salary

    What this rate means

    O-5 with dependents, every station0 – $8,064 / month
    Westchester County$8,064
    New York City$7,128
    San Francisco$7,089
    Nantucket$6,933
    Boston$6,483
    Maui County$6,378
    Santa Clara County$6,333
    Florida Keys$6,213
    Hanscom AFB$6,087
    Northern New Jersey$5,991
    Kauai County$5,892
    Essex CO$5,853
    Long Island$5,823
    Miami$5,763
    Martha's Vineyard$5,646
    Monterey$5,565
    San Diego$5,493
    Los Angeles$5,436
    San Luis Obispo$5,430
    Staten Island$5,394
    Camp Pendleton$5,391
    Portsmouth$5,355
    Trenton$5,334
    West Point$5,253
    Portland$5,235
    Cape Cod-Plymouth$5,196
    Oakland$5,133
    Fort Monmouth$4,986
    Fitchburg$4,965
    Honolulu County$4,959
    Perth Amboy$4,926
    Marin$4,863
    Burlington$4,857
    Seattle$4,797
    Ventura$4,788
    West Palm Beach$4,782
    Manchester$4,707
    Washington$4,692
    Worcester$4,686
    Newport$4,668
    Warrenton$4,599
    New Haven$4,590
    Providence$4,533
    County Cost Group 890$4,530
    Hartford$4,395
    Vandenberg SFB$4,356
    Atlantic City$4,296
    Indian Head Navordsta$4,278
    Hawaii County$4,263
    Boulder$4,218
    County Cost Group 880$4,137
    Ann Arbor$4,128
    JB McGuire-Dix-Lakehurst$4,122
    Annapolis$4,101
    JB Elmendorf-Richardson$4,095
    Austin$4,095
    Chicago$4,086
    Juneau$4,074
    Quantico$4,065
    Stockton$4,047
    Santa Fe$4,023
    Fort G. G. Meade$4,014
    Ketchikan$4,002
    Riverside$4,002
    Madison$3,993
    Hampden County$3,978
    Cape May$3,969
    Willow Grove$3,939
    Everett$3,936
    Vallejo$3,927
    New London$3,906
    Brunswick$3,894
    County Cost Group 870$3,882
    Edwards AFB$3,840
    Kodiak Island$3,831
    Milwaukee$3,831
    Fort Detrick$3,804
    San Bernardino$3,798
    Ballston Spa$3,777
    Corvallis$3,768
    Sitka$3,768
    Philadelphia$3,759
    Asheville$3,723
    Baltimore$3,711
    Portland$3,702
    Outer Banks$3,696
    Astoria$3,672
    County Cost Group 860$3,672
    Oxford$3,663
    Fort Pierce$3,648
    Great Lakes Navtracen$3,645
    Aberdeen Proving Grounds$3,630
    Eglin AFB$3,612
    Denver$3,588
    County Cost Group 850$3,570
    Detroit$3,555
    Charlottesville$3,540
    Dahlgren$3,534
    Bridgeport$3,525
    Sacramento$3,525
    College Station$3,513
    Fort Myers Beach$3,504
    Beale AFB$3,492
    Knoxville$3,492
    JB Lewis-McChord$3,471
    Allentown$3,465
    County Cost Group 840$3,459
    Beaufort$3,438
    Port Angeles$3,435
    Fresno$3,414
    Bremerton$3,411
    Pittsburgh$3,408
    Fairbanks$3,405
    Whidbey Island$3,402
    Tampa$3,390
    Traverse City$3,390
    Minneapolis$3,384
    County Cost Group 830$3,366
    Reno$3,357
    Buffalo$3,324
    Eugene$3,324
    Norfolk$3,318
    Wilmington$3,303
    Patuxent River$3,300
    Twenty Nine Palms MCB$3,291
    Houston$3,288
    Humboldt County$3,288
    Gainesville$3,276
    Patrick SFB$3,267
    Elizabeth City$3,264
    St. Louis$3,261
    County Cost Group 820$3,255
    Orlando$3,255
    Savannah$3,249
    Rome$3,243
    Yakima$3,243
    Abilene$3,234
    Durham$3,231
    Helena$3,231
    Omaha$3,231
    Richmond$3,231
    Salem$3,228
    Bloomington$3,225
    Cleveland$3,222
    Rochester$3,222
    Nashville$3,219
    Chattanooga$3,201
    Syracuse$3,198
    Spokane$3,195
    Dallas$3,192
    Coastal Maine$3,183
    State College$3,180
    Fort Collins$3,165
    Barstow$3,144
    County Cost Group 810$3,129
    Fort Stewart$3,129
    Coos Bay$3,117
    Hampton$3,099
    Tallahassee$3,099
    Salt Lake City$3,096
    Waco$3,093
    Jackson$3,084
    Dover AFB$3,081
    Carlisle Barracks$3,069
    Cincinnati$3,060
    New Orleans$3,060
    Panama City$3,060
    Charleston$3,039
    Eastern Panhandle$3,027
    Fort Campbell$3,006
    County Cost Group 800$2,997
    Myrtle Beach$2,982
    El Centro$2,976
    Battle Creek$2,973
    Louisville$2,973
    Volusia County$2,970
    Atlanta$2,964
    Corpus Christi$2,964
    Wichita Fls$2,955
    Columbus$2,949
    Grand Rapids$2,946
    Fort Knox$2,943
    Auburn$2,934
    Scott AFB$2,928
    Ocala$2,922
    Cheyenne$2,916
    Kings Bay$2,916
    Fort Carson$2,913
    Grand Haven$2,913
    County Cost Group 790$2,907
    Des Moines$2,904
    Fargo$2,904
    Mountain Home AFB$2,901
    Provo$2,901
    Morehead$2,898
    Johnson City$2,895
    Dahlonega$2,892
    Albuquerque$2,871
    Rock Island$2,868
    Rapid City$2,850
    Fayetteville$2,847
    Kansas City$2,847
    Lexington$2,841
    Lemoore NAS$2,835
    Birmingham$2,826
    Champaign$2,820
    Eastern Shore$2,820
    Lansing$2,820
    Laughlin AFB$2,820
    Bangor$2,814
    Marquette$2,811
    Toledo$2,811
    County Cost Group 780$2,808
    Duluth$2,808
    Fort Worth$2,793
    Fort Gordon$2,787
    Roanoke$2,787
    Fort Drum$2,784
    Shreveport$2,778
    Nellis AFB$2,775
    Phoenix$2,775
    Tulsa$2,766
    Boise$2,763
    Baton Rouge$2,748
    Fort Hood$2,748
    Fort Rucker$2,742
    Jacksonville$2,736
    Raleigh$2,736
    County Cost Group 770$2,730
    Mobile$2,730
    Fort Wayne$2,727
    Columbia$2,724
    Malmstrom SFB$2,724
    Brownsville$2,721
    Akron$2,715
    Ogden$2,715
    Whiteman AFB$2,715
    Robins AFB$2,709
    Wright-Patterson AFB$2,703
    Paducah$2,694
    Grand Forks$2,682
    Wilkes-Barre$2,676
    Lincoln$2,667
    China Lake$2,658
    Terre Haute$2,655
    Greenville$2,649
    Seymour Johnson AFB$2,649
    Springfield$2,649
    County Cost Group 760$2,643
    Memphis$2,643
    Lexington$2,634
    Greensboro$2,631
    Fallon NAS$2,625
    Gulfport$2,625
    Topeka$2,619
    Morgantown$2,613
    Fort Bragg$2,610
    Pensacola$2,610
    Huntsville$2,607
    Lubbock$2,604
    Little Rock$2,598
    Sault Ste Marie$2,595
    Fort Leavenworth$2,589
    Moody AFB$2,589
    Sumter$2,589
    Columbia$2,583
    County Cost Group 750$2,583
    Charlotte$2,577
    Montgomery$2,565
    St Mary And Terrebonne$2,565
    Indianapolis$2,559
    Beaumont$2,553
    Camp Lejeune$2,553
    Davis-Monthan AFB$2,550
    Albany$2,532
    County Cost Group 740$2,520
    Sioux Falls$2,511
    Minot AFB$2,508
    Alexandria$2,496
    Columbus AFB$2,493
    Lafayette$2,484
    Fort Huachuca$2,481
    County Cost Group 730$2,478
    Lake Charles$2,472
    Fort Benning$2,469
    Fort Bliss$2,466
    Charleston$2,463
    Peoria$2,463
    San Antonio (JBSA)$2,457
    Yuma$2,454
    County Cost Group 720$2,451
    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
    Holloman AFB$2,376
    Fort Chaffee$2,370
    Hattiesburg$2,370
    County Cost Group 680$2,367
    White Sands MR$2,358
    County Cost Group 670$2,355
    Altus AFB$2,343
    County Cost Group 660$2,340
    Oklahoma City$2,337
    County Cost Group 650$2,331
    Fort Riley$2,325
    County Cost Group 640$2,319
    County Cost Group 630$2,310
    County Cost Group 620$2,301
    County Cost Group 610$2,292
    County Cost Group 600$2,280
    Fort Sill$2,271
    County Cost Group 590$2,268
    Fort Polk$2,262
    County Cost Group 580$2,253
    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
    County Cost Group 520$2,190
    Huntington$2,190
    County Cost Group 510$2,184
    Anniston$2,115
    Monroe$2,040
    Saginaw$2,007
    Stevens Point$1,998
    Cannon AFB$1,944
    Youngstown$1,827

    St. Louis is #131 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 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

    Promoting to O-6 here adds $24 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 St. Louis to Westchester County at O-5 is worth $4,803 a month — about 200 promotions worth of housing allowance, at $24 per grade here.

    02

    Dependency status is worth 21% 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. $3,261 a month of BAH takes more than $3,261 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.