Official data current

Traverse City BAH rates

Verified · Effective 2026-01-01 · MHA MI146

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O-2 · With dependents
$2,793per month

$33,516 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #100 of 338O-2 · with dependents reference
Taxable-pay equivalent$3,581/mo Using the stated 22% comparison rate
Year-over-year change+$330/mo · +13.4%2025 $2,463 → 2026 $2,793
O-2 rate selectedMHA MI146 ZIPs 49411 49431 49601 49610 49613 49614 +39
PCS compare Traverse City · O-2 · with dep. · $2,793/mo
Traverse City $2,793/mo · $33,516/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.

Comparison uses with-dependents rates. Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

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Rate history

How updates work
2025$2,463
2026$2,793

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Traverse City — full sheet Tap a row

What this rate means

O-2 with dependents, nearest stations0 – $5,451 / month
San Francisco $5,451
Allentown $2,835
County Cost Group 860 $2,826
Fort Pierce $2,826
Fresno $2,823
Oxford $2,811
Beaufort $2,808
Abilene $2,805
Dallas $2,805
Austin $2,796
Bridgeport $2,796
Traverse City $2,793
Astoria $2,787
Minneapolis $2,778
Great Lakes Navtracen $2,757
Portland $2,748
County Cost Group 850 $2,742
Aberdeen Proving Grounds $2,739
Whidbey Island $2,736
Rome $2,730
Bremerton $2,727
Charlottesville $2,712
Youngstown $1,332

Traverse City is #100 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 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 O-2 is worth $2,658 a month — about 10 promotions at this grade. Where you are stationed outweighs rank, by a lot.

What the rate table does not 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.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…