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
    With $2,490Without $2,169

    W-5 at Toledo draws $2,490 per month with dependents in 2026, $2,169 without

    Permalinkbahratedesk.com/toledo-oh/w-5/ExcelCSVDownloads cover this station.
    Toledo, OH
    W-5 · with dependents
    $2,490/ month
    $29,880 / year
    At W-5, this is #228 of 338 stations loaded · high Westchester County $7,338 · low Youngstown $1,806
    MHA OH232 · ZIPs 43402 43403 43405 43406 43413 43414 +84 more
    Your grade is calledARMYCW5USMCCWO5NAVYCWO5
    Untaxed — matching it with taxable pay takes$3,192 / mo gross
    Without dependents here$2,169 / mo
    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 · W-5 · $2,490/mo
    Aberdeen Proving Grounds$3,348/mo · $40,176/yr
    ▲ RAISE+$858+$10,296/yr · like +$13,200 of salary

    What this rate means

    W-5 with dependents, nearest stations0 – $7,338 / month
    Westchester County$7,338
    County Cost Group 770$2,502
    Fort Rucker$2,502
    Fort Leavenworth$2,496
    Malmstrom SFB$2,496
    Toledo$2,490
    Memphis$2,484
    Whiteman AFB$2,478
    Columbia$2,475
    Fallon NAS$2,475
    Youngstown$1,806

    Toledo is #228 of 338. The spread between the dearest and cheapest station at this grade is $5,532 a month — $66,384 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

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    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.

    03

    None of it is taxed. $2,490 a month of BAH takes more than $2,490 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.