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-5 with dependents at Traverse City draws $3,390 per month in 2026

    Permalinkbahratedesk.com/traverse-city-mi/o-5/with/ExcelCSVDownloads cover this station.
    Traverse City, MI
    O-5 · with dependents
    $3,390/ month
    $40,680 / year
    At O-5, this is #116 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA MI146 · ZIPs 49411 49431 49601 49610 49613 49614 +39 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,346 / mo gross
    Other dependency status here$2,955 without 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 · O-5 · $3,390/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$240+$2,880/yr · like +$3,692 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Pittsburgh$3,408
    Fairbanks$3,405
    Whidbey Island$3,402
    Tampa$3,390
    Traverse City$3,390
    Minneapolis$3,384
    County Cost Group 830$3,366
    Reno$3,357
    Buffalo$3,324
    Youngstown$1,827

    Traverse City is #116 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 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

    Promoting to O-6 here adds $27 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 Westchester County at O-5 is worth $4,674 a month — about 173 promotions worth of housing allowance, at $27 per grade here.

    02

    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. $3,390 a month of BAH takes more than $3,390 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.