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 without dependents at Trenton draws $4,203 per month in 2026

    Permalinkbahratedesk.com/trenton-nj/o-5/without/ExcelCSVDownloads cover this station.
    Trenton, NJ
    O-5 · without dependents
    $4,203/ month
    $50,436 / year
    At O-5, this is #26 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA NJ203 · ZIPs 07830 07979 08520 08525 08530 08534 +60 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$5,388 / mo gross
    Other dependency status here$5,334 with 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 · $4,203/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▼ CUT−$1,269−$15,228/yr · like −$19,523 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    Oakland$4,254
    Cape Cod-Plymouth$4,248
    Fort Monmouth$4,224
    Honolulu County$4,224
    Trenton$4,203
    Portsmouth$4,167
    Perth Amboy$4,161
    Ventura$4,122
    San Luis Obispo$4,101
    Youngstown$1,593

    Trenton is #26 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 a year, untaxed.

    Every pay grade at Trenton0 – $4,422 / month
    E-1$2,409
    E-2$2,409
    E-3$2,409
    E-4$2,409
    E-5$2,760
    E-6$2,982
    E-7$3,219
    E-8$3,570
    E-9$3,720
    W-1$3,129
    W-2$3,567
    W-3$3,738
    W-4$4,002
    W-5$4,149
    O-1E$3,462
    O-2E$3,687
    O-3E$3,966
    O-1$2,952
    O-2$3,384
    O-3$3,786
    O-4$4,119
    O-5$4,203
    O-6$4,344
    O-7$4,422

    Promoting to O-6 here adds $141 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 $1,959 a month — about 14 promotions worth of housing allowance, at $141 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. $4,203 a month of BAH takes more than $4,203 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.