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 without dependents at Tampa draws $3,057 per month in 2026

    Permalinkbahratedesk.com/tampa-fl/o-5/without/ExcelCSVDownloads cover this station.
    Tampa, FL
    O-5 · without dependents
    $3,057/ month
    $36,684 / year
    At O-5, this is #82 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA FL066 · ZIPs 33503 33508 33509 33510 33511 33523 +259 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$3,919 / mo gross
    Other dependency status here$3,390 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Tampa — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,520$1,932
    E-2$2,520$1,932
    E-3$2,520$1,932
    E-4$2,520$1,932
    E-5$2,709$2,187
    E-6$3,042$2,346
    E-7$3,066$2,526
    E-8$3,075$2,781
    E-9$3,123$2,874
    Warrant officer
    W-1$3,063$2,463
    W-2$3,072$2,778
    W-3$3,084$2,886
    W-4$3,141$3,039
    W-5$3,231$3,054
    Officer — prior enlisted
    O-1E$3,069$2,706
    O-2E$3,078$2,853
    O-3E$3,156$3,036
    Officer
    O-1$2,757$2,328
    O-2$3,039$2,649
    O-3$3,081$2,919
    O-4$3,255$3,042
    O-5$3,390$3,057
    O-6$3,417$3,060
    O-7$3,441$3,102
    PCS compareTampa · O-5 · $3,057/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▼ CUT−$123−$1,476/yr · like −$1,892 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    Denver$3,135
    Cape May$3,129
    Ballston Spa$3,081
    Eglin AFB$3,066
    Tampa$3,057
    Astoria$3,045
    Baltimore$3,045
    Kodiak Island$3,039
    Fort Myers Beach$3,036
    Youngstown$1,593

    Tampa is #82 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 a year, untaxed.

    Every pay grade at Tampa0 – $3,102 / month
    E-1$1,932
    E-2$1,932
    E-3$1,932
    E-4$1,932
    E-5$2,187
    E-6$2,346
    E-7$2,526
    E-8$2,781
    E-9$2,874
    W-1$2,463
    W-2$2,778
    W-3$2,886
    W-4$3,039
    W-5$3,054
    O-1E$2,706
    O-2E$2,853
    O-3E$3,036
    O-1$2,328
    O-2$2,649
    O-3$2,919
    O-4$3,042
    O-5$3,057
    O-6$3,060
    O-7$3,102

    Promoting to O-6 here adds $3 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 Tampa to Westchester County at O-5 is worth $3,105 a month — about 1035 promotions worth of housing allowance, at $3 per grade here.

    02

    Dependency status is worth 11% 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. $3,057 a month of BAH takes more than $3,057 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.