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 Trenton draws $5,334 per month in 2026

    Permalinkbahratedesk.com/trenton-nj/o-5/with/ExcelCSVDownloads cover this station.
    Trenton, NJ
    O-5 · with dependents
    $5,334/ month
    $64,008 / year
    At O-5, this is #23 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA NJ203 · ZIPs 07830 07979 08520 08525 08530 08534 +60 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$6,838 / mo gross
    Other dependency status here$4,203 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Trenton — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,210$2,409
    E-2$3,210$2,409
    E-3$3,210$2,409
    E-4$3,210$2,409
    E-5$3,465$2,760
    E-6$3,972$2,982
    E-7$4,116$3,219
    E-8$4,269$3,570
    E-9$4,521$3,720
    Warrant officer
    W-1$3,996$3,129
    W-2$4,179$3,567
    W-3$4,365$3,738
    W-4$4,578$4,002
    W-5$4,836$4,149
    Officer — prior enlisted
    O-1E$4,143$3,462
    O-2E$4,338$3,687
    O-3E$4,620$3,966
    Officer
    O-1$3,531$2,952
    O-2$3,969$3,384
    O-3$4,362$3,786
    O-4$4,926$4,119
    O-5$5,334$4,203
    O-6$5,379$4,344
    O-7$5,424$4,422
    PCS compareTrenton · O-5 · $5,334/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▼ CUT−$1,704−$20,448/yr · like −$26,215 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    San Luis Obispo$5,430
    Staten Island$5,394
    Camp Pendleton$5,391
    Portsmouth$5,355
    Trenton$5,334
    West Point$5,253
    Portland$5,235
    Cape Cod-Plymouth$5,196
    Oakland$5,133
    Youngstown$1,827

    Trenton is #23 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 Trenton0 – $5,424 / month
    E-1$3,210
    E-2$3,210
    E-3$3,210
    E-4$3,210
    E-5$3,465
    E-6$3,972
    E-7$4,116
    E-8$4,269
    E-9$4,521
    W-1$3,996
    W-2$4,179
    W-3$4,365
    W-4$4,578
    W-5$4,836
    O-1E$4,143
    O-2E$4,338
    O-3E$4,620
    O-1$3,531
    O-2$3,969
    O-3$4,362
    O-4$4,926
    O-5$5,334
    O-6$5,379
    O-7$5,424

    Promoting to O-6 here adds $45 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 Trenton to Westchester County at O-5 is worth $2,730 a month — about 61 promotions worth of housing allowance, at $45 per grade here.

    02

    Dependency status is worth 27% 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. $5,334 a month of BAH takes more than $5,334 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.