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 $2,031 Without $1,524

E-5 at Toledo draws $2,031 per month with dependents in 2026, $1,524 without

Permalink bahratedesk.com/toledo-oh/ Excel CSV
Toledo, OH
E-5 · with dependents
$2,031/ month
$24,372 / year
At E-5, this is #176 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA OH232 · ZIPs 43402 43403 43405 43406 43413 43414 +84 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,604 / mo gross
Without dependents here $1,524 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Toledo · E-5 · $2,031/mo
Toledo $2,031/mo · $24,372/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.

Toledo — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,758 $1,320
E-2 $1,758 $1,320
E-3 $1,758 $1,320
E-4 $1,758 $1,320
E-5 $2,031 $1,524
E-6 $2,166 $1,620
E-7 $2,184 $1,770
E-8 $2,193 $2,064
E-9 $2,283 $2,091
Warrant officer
W-1 $2,181 $1,671
W-2 $2,190 $2,061
W-3 $2,202 $2,100
W-4 $2,319 $2,157
W-5 $2,490 $2,169
Officer — prior enlisted
O-1E $2,187 $2,028
O-2E $2,196 $2,085
O-3E $2,346 $2,154
Officer
O-1 $2,058 $1,545
O-2 $2,163 $1,944
O-3 $2,199 $2,112
O-4 $2,544 $2,160
O-5 $2,811 $2,172
O-6 $2,832 $2,175
O-7 $2,850 $2,196

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Nellis AFB $2,070
Traverse City $2,070
County Cost Group 810 $2,064
Duluth $2,064
Eastern Panhandle $2,058
Provo $2,058
Astoria $2,055
Syracuse $2,049
Gainesville $2,040
Wilmington $2,040
Toledo $2,031
Salem $2,004
Barstow $2,001
Cleveland $1,998
Louisville $1,989
Chattanooga $1,986
El Centro $1,986
Kansas City $1,986
Rapid City $1,986
Twenty Nine Palms MCB $1,980
County Cost Group 800 $1,962
Anniston $1,185

Toledo is #176 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 Toledo0 – $2,850 / month
E-1 $1,758
E-2 $1,758
E-3 $1,758
E-4 $1,758
E-5 $2,031
E-6 $2,166
E-7 $2,184
E-8 $2,193
E-9 $2,283
W-1 $2,181
W-2 $2,190
W-3 $2,202
W-4 $2,319
W-5 $2,490
O-1E $2,187
O-2E $2,196
O-3E $2,346
O-1 $2,058
O-2 $2,163
O-3 $2,199
O-4 $2,544
O-5 $2,811
O-6 $2,832
O-7 $2,850

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

Moving from Toledo to San Francisco at E-5 is worth $3,096 a month — about 23 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.