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

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

    Permalinkbahratedesk.com/traverse-city-mi/e-5/without/ExcelCSVDownloads cover this station.
    Traverse City, MI
    E-5 · without dependents
    $1,896/ month
    $22,752 / year
    At E-5, this is #117 of 338 stations loaded · high New York City $4,980 · low Fort Chaffee $996
    MHA MI146 · ZIPs 49411 49431 49601 49610 49613 49614 +39 more
    Your grade is calledARMYSGTUSMCSgtNAVYPO2USAFSSgt
    Untaxed — matching it with taxable pay takes$2,431 / mo gross
    Other dependency status here$2,070 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Traverse City — full sheetTap 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
    PCS compareTraverse City · E-5 · $1,896/mo
    Aberdeen Proving Grounds$1,986/mo · $23,832/yr
    ▲ RAISE+$90+$1,080/yr · like +$1,385 of salary

    What this rate means

    E-5 without dependents, nearest stations0 – $4,980 / month
    New York City$4,980
    Norfolk$1,908
    Minneapolis$1,905
    Whidbey Island$1,905
    County Cost Group 840$1,896
    Traverse City$1,896
    Brunswick$1,893
    Birmingham$1,878
    Nashville$1,869
    Richmond$1,866
    Fort Chaffee$996

    Traverse City is #117 of 338. The spread between the dearest and cheapest station at this grade is $3,984 a month — $47,808 a year, untaxed.

    Every pay grade at Traverse City0 – $3,102 / month
    E-1$1,716
    E-2$1,716
    E-3$1,716
    E-4$1,716
    E-5$1,896
    E-6$2,103
    E-7$2,175
    E-8$2,253
    E-9$2,439
    W-1$2,118
    W-2$2,214
    W-3$2,463
    W-4$2,820
    W-5$2,922
    O-1E$2,187
    O-2E$2,388
    O-3E$2,796
    O-1$1,998
    O-2$2,178
    O-3$2,535
    O-4$2,898
    O-5$2,955
    O-6$3,051
    O-7$3,102

    Promoting to E-6 here adds $207 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 Traverse City to New York City at E-5 is worth $3,084 a month — about 15 promotions worth of housing allowance, at $207 per grade here.

    02

    Dependency status is worth 9% 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. $1,896 a month of BAH takes more than $1,896 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.