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-1 without dependents at Stevens Point draws $1,236 per month in 2026

    Permalinkbahratedesk.com/stevens-point-wi/o-1/without/ExcelCSVDownloads cover this station.
    Stevens Point, WI
    O-1 · without dependents
    $1,236/ month
    $14,832 / year
    At O-1, this is #300 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,074
    MHA WI359 · ZIPs 54401 54402 54403 54406 54407 54408 +38 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$1,585 / mo gross
    Other dependency status here$1,389 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Stevens Point — full sheetTap a row
    GradeWith 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
    PCS compareStevens Point · O-1 · $1,236/mo
    Aberdeen Proving Grounds$2,055/mo · $24,660/yr
    ▲ RAISE+$819+$9,828/yr · like +$12,600 of salary

    What this rate means

    O-1 without dependents, nearest stations0 – $5,067 / month
    New York City$5,067
    County Cost Group 680$1,254
    County Cost Group 670$1,245
    Holloman AFB$1,245
    County Cost Group 660$1,236
    Stevens Point$1,236
    Hattiesburg$1,233
    Sault Ste Marie$1,230
    County Cost Group 650$1,227
    Fort Riley$1,227
    Youngstown$1,074

    Stevens Point is #300 of 338. The spread between the dearest and cheapest station at this grade is $3,993 a month — $47,916 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 O-2 here adds $90 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 Stevens Point to New York City at O-1 is worth $3,831 a month — about 43 promotions worth of housing allowance, at $90 per grade here.

    02

    Dependency status is worth 12% 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. $1,236 a month of BAH takes more than $1,236 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.