What is E-5 BAH at Stevens Point in 2026?

$1,161 per month without dependents ($13,932 per year), effective 01 JAN 2026. with dependents it is $1,338 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 Stevens Point 2026 — $1,161/mo without dependents

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

Stevens Point, WI

E-5 · without dependents

$1,161/ month

$13,932 / year

At E-5, this is #307 of 338 stations loaded · high New York City $4,980 · low Fort Chaffee $996

MHA WI359 · ZIPs 54401 54402 54403 54406 54407 54408 +38 more

Your grade is calledARMYSGTUSMCSgtNAVYPO2USAFSSgt

Untaxed — matching it with taxable pay takes$1,488 / mo gross

Other dependency status here$1,338 with dependents

In government quarters, no dependents$50.10 / mo partial

Stevens Point — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,287	$1,038
E-2	$1,287	$1,038
E-3	$1,287	$1,038
E-4	$1,287	$1,038
E-5	$1,338	$1,161
E-6	$1,707	$1,281
E-7	$1,731	$1,299
E-8	$1,740	$1,416
E-9	$1,764	$1,521
Warrant officer
W-1	$1,728	$1,296
W-2	$1,737	$1,413
W-3	$1,749	$1,536
W-4	$1,779	$1,704
W-5	$1,860	$1,713
Officer — prior enlisted
O-1E	$1,734	$1,335
O-2E	$1,743	$1,497
O-3E	$1,791	$1,701
Officer
O-1	$1,389	$1,236
O-2	$1,704	$1,326
O-3	$1,746	$1,572
O-4	$1,878	$1,707
O-5	$1,998	$1,716
O-6	$2,010	$1,719
O-7	$2,022	$1,722

What this rate means

E-5 without dependents, nearest stations0 – $4,980 / month

New York City$4,980

Springfield$1,167

Alexandria$1,161

Columbia$1,161

County Cost Group 640$1,161

Stevens Point$1,161

Columbus AFB$1,158

Fort Riley$1,158

County Cost Group 630$1,155

Sault Ste Marie$1,155

Fort Chaffee$996

Stevens Point is #307 of 338. The spread between the dearest and cheapest station at this grade is $3,984 a month — $47,808 a year, untaxed.

Every pay grade at Stevens Point0 – $1,722 / month

E-1$1,038

E-2$1,038

E-3$1,038

E-4$1,038

E-5$1,161

E-6$1,281

E-7$1,299

E-8$1,416

E-9$1,521

W-1$1,296

W-2$1,413

W-3$1,536

W-4$1,704

W-5$1,713

O-1E$1,335

O-2E$1,497

O-3E$1,701

O-1$1,236

O-2$1,326

O-3$1,572

O-4$1,707

O-5$1,716

O-6$1,719

O-7$1,722

Promoting to E-6 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 Stevens Point to New York City at E-5 is worth $3,819 a month — about 32 promotions worth of housing allowance, at $120 per grade here.

Dependency status is worth 15% 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. $1,161 a month of BAH takes more than $1,161 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 without dependents at Stevens Point draws $1,161 per month in 2026

What this rate means

Things the rate table doesn't tell you