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-2 without dependents at Toledo draws $1,944 per month in 2026

    Permalinkbahratedesk.com/toledo-oh/o-2/without/ExcelCSVDownloads cover this station.
    Toledo, OH
    O-2 · without dependents
    $1,944/ month
    $23,328 / year
    At O-2, this is #184 of 338 stations loaded · high New York City $5,091 · low Youngstown $1,176
    MHA OH232 · ZIPs 43402 43403 43405 43406 43413 43414 +84 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$2,492 / mo gross
    Other dependency status here$2,163 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Toledo — full sheetTap 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
    PCS compareToledo · O-2 · $1,944/mo
    Aberdeen Proving Grounds$2,412/mo · $28,944/yr
    ▲ RAISE+$468+$5,616/yr · like +$7,200 of salary

    What this rate means

    O-2 without dependents, nearest stations0 – $5,091 / month
    New York City$5,091
    Salem$1,965
    El Centro$1,962
    Chattanooga$1,950
    Kansas City$1,944
    Toledo$1,944
    Cleveland$1,932
    Louisville$1,932
    Rapid City$1,929
    County Cost Group 800$1,920
    Youngstown$1,176

    Toledo is #184 of 338. The spread between the dearest and cheapest station at this grade is $3,915 a month — $46,980 a year, untaxed.

    Every pay grade at Toledo0 – $2,196 / month
    E-1$1,320
    E-2$1,320
    E-3$1,320
    E-4$1,320
    E-5$1,524
    E-6$1,620
    E-7$1,770
    E-8$2,064
    E-9$2,091
    W-1$1,671
    W-2$2,061
    W-3$2,100
    W-4$2,157
    W-5$2,169
    O-1E$2,028
    O-2E$2,085
    O-3E$2,154
    O-1$1,545
    O-2$1,944
    O-3$2,112
    O-4$2,160
    O-5$2,172
    O-6$2,175
    O-7$2,196

    Promoting to O-3 here adds $168 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 Toledo to New York City at O-2 is worth $3,147 a month — about 19 promotions worth of housing allowance, at $168 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. $1,944 a month of BAH takes more than $1,944 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.