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 $2,070 Without $1,896

E-5 at Traverse City draws $2,070 per month with dependents in 2026, $1,896 without

Permalink bahratedesk.com/traverse-city-mi/ Excel CSV
Traverse City, MI
E-5 · with dependents
$2,070/ month
$24,840 / year
At E-5, this is #166 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA MI146 · ZIPs 49411 49431 49601 49610 49613 49614 +39 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,654 / mo gross
Without dependents here $1,896 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Traverse City · E-5 · $2,070/mo
Traverse City $2,070/mo · $24,840/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.

Traverse City — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $2,037 $1,716
E-2 $2,037 $1,716
E-3 $2,037 $1,716
E-4 $2,037 $1,716
E-5 $2,070 $1,896
E-6 $2,802 $2,103
E-7 $2,901 $2,175
E-8 $3,003 $2,253
E-9 $3,123 $2,439
Warrant officer
W-1 $2,823 $2,118
W-2 $2,943 $2,214
W-3 $3,072 $2,463
W-4 $3,141 $2,820
W-5 $3,231 $2,922
Officer — prior enlisted
O-1E $2,916 $2,187
O-2E $3,051 $2,388
O-3E $3,156 $2,796
Officer
O-1 $2,160 $1,998
O-2 $2,793 $2,178
O-3 $3,069 $2,535
O-4 $3,255 $2,898
O-5 $3,390 $2,955
O-6 $3,417 $3,051
O-7 $3,441 $3,102

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Fort Worth $2,118
Ogden $2,118
Rome $2,109
Myrtle Beach $2,097
Raleigh $2,091
Bridgeport $2,085
Omaha $2,085
Carlisle Barracks $2,076
Whidbey Island $2,073
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
Anniston $1,185

Traverse City is #166 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 Traverse City0 – $3,441 / month
E-1 $2,037
E-2 $2,037
E-3 $2,037
E-4 $2,037
E-5 $2,070
E-6 $2,802
E-7 $2,901
E-8 $3,003
E-9 $3,123
W-1 $2,823
W-2 $2,943
W-3 $3,072
W-4 $3,141
W-5 $3,231
O-1E $2,916
O-2E $3,051
O-3E $3,156
O-1 $2,160
O-2 $2,793
O-3 $3,069
O-4 $3,255
O-5 $3,390
O-6 $3,417
O-7 $3,441

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

Moving from Traverse City to San Francisco at E-5 is worth $3,057 a month — about 4 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.