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-2 without dependents at Tulsa draws $1,611 per month in 2026

    Permalinkbahratedesk.com/tulsa-ok/o-2/without/ExcelCSVDownloads cover this station.
    Tulsa, OK
    O-2 · without dependents
    $1,611/ month
    $19,332 / year
    At O-2, this is #255 of 338 stations loaded · high New York City $5,091 · low Youngstown $1,176
    MHA OK240 · ZIPs 74008 74011 74012 74013 74014 74015 +74 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$2,065 / mo gross
    Other dependency status here$1,941 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Tulsa — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,542$1,236
    E-2$1,542$1,236
    E-3$1,542$1,236
    E-4$1,542$1,236
    E-5$1,638$1,365
    E-6$1,944$1,455
    E-7$2,004$1,542
    E-8$2,067$1,704
    E-9$2,214$1,788
    Warrant officer
    W-1$1,962$1,524
    W-2$2,028$1,701
    W-3$2,109$1,803
    W-4$2,253$1,953
    W-5$2,430$2,016
    Officer — prior enlisted
    O-1E$2,010$1,635
    O-2E$2,097$1,770
    O-3E$2,280$1,935
    Officer
    O-1$1,683$1,443
    O-2$1,941$1,611
    O-3$2,106$1,830
    O-4$2,490$1,998
    O-5$2,766$2,076
    O-6$2,787$2,091
    O-7$2,805$2,121
    PCS compareTulsa · O-2 · $1,611/mo
    Aberdeen Proving Grounds$2,412/mo · $28,944/yr
    ▲ RAISE+$801+$9,612/yr · like +$12,323 of salary

    What this rate means

    O-2 without dependents, every station0 – $5,091 / month
    New York City$5,091
    San Francisco$5,007
    Boston$4,644
    Northern New Jersey$4,593
    Santa Clara County$4,560
    Westchester County$4,383
    Long Island$4,326
    Nantucket$4,305
    Maui County$4,161
    Hanscom AFB$4,122
    Florida Keys$3,921
    Martha's Vineyard$3,879
    San Diego$3,873
    Camp Pendleton$3,855
    Cape Cod-Plymouth$3,852
    Los Angeles$3,780
    Kauai County$3,732
    Staten Island$3,675
    Oakland$3,666
    Miami$3,597
    Honolulu County$3,555
    Hawaii County$3,549
    Fort Monmouth$3,486
    Ventura$3,486
    Essex CO$3,417
    West Point$3,402
    Monterey$3,396
    Trenton$3,384
    Perth Amboy$3,381
    Chicago$3,354
    West Palm Beach$3,348
    Marin$3,291
    Vallejo$3,279
    Vandenberg SFB$3,276
    Riverside$3,270
    Portsmouth$3,249
    Indian Head Navordsta$3,234
    Portland$3,201
    San Bernardino$3,180
    Providence$3,150
    San Luis Obispo$3,144
    Washington$3,126
    Manchester$3,120
    County Cost Group 890$3,093
    Seattle$3,087
    Fitchburg$3,075
    New Haven$3,036
    Burlington$3,033
    Warrenton$3,003
    Beale AFB$2,892
    Quantico$2,883
    Worcester$2,880
    Annapolis$2,874
    Willow Grove$2,871
    Santa Fe$2,856
    Fort G. G. Meade$2,850
    Hartford$2,823
    Sacramento$2,805
    Newport$2,796
    JB McGuire-Dix-Lakehurst$2,793
    County Cost Group 880$2,790
    Denver$2,748
    Boulder$2,694
    Everett$2,691
    Cape May$2,682
    Fort Myers Beach$2,652
    Tampa$2,649
    Atlantic City$2,628
    Fort Pierce$2,628
    Fort Detrick$2,613
    Philadelphia$2,613
    Edwards AFB$2,601
    County Cost Group 870$2,598
    Orlando$2,592
    Juneau$2,577
    Madison$2,571
    Outer Banks$2,562
    Ballston Spa$2,556
    Ketchikan$2,550
    Baltimore$2,547
    Milwaukee$2,529
    New London$2,529
    Stockton$2,523
    JB Lewis-McChord$2,496
    Sitka$2,475
    Ann Arbor$2,472
    Minneapolis$2,445
    Patrick SFB$2,445
    Elizabeth City$2,442
    County Cost Group 860$2,436
    Aberdeen Proving Grounds$2,412
    Eglin AFB$2,406
    Oxford$2,391
    Dallas$2,388
    St. Louis$2,385
    Beaufort$2,379
    Birmingham$2,370
    Norfolk$2,367
    Patuxent River$2,364
    County Cost Group 850$2,358
    Savannah$2,358
    Great Lakes Navtracen$2,355
    Fresno$2,352
    Hampden County$2,352
    Atlanta$2,349
    Kodiak Island$2,349
    Allentown$2,340
    Charlottesville$2,340
    Port Angeles$2,340
    Bremerton$2,337
    Charleston$2,334
    Dahlgren$2,328
    Portland$2,322
    Reno$2,322
    Ocala$2,319
    Corvallis$2,307
    Fort Carson$2,295
    Richmond$2,295
    JB Elmendorf-Richardson$2,286
    Austin$2,283
    County Cost Group 840$2,274
    Fort Stewart$2,268
    Detroit$2,256
    Brunswick$2,250
    Dover AFB$2,241
    Volusia County$2,232
    Nashville$2,220
    Phoenix$2,217
    Astoria$2,214
    Hampton$2,214
    Pittsburgh$2,214
    Cincinnati$2,202
    County Cost Group 830$2,202
    Fort Collins$2,202
    Dahlonega$2,187
    Traverse City$2,178
    Asheville$2,166
    Bridgeport$2,166
    Buffalo$2,166
    Whidbey Island$2,160
    Coastal Maine$2,148
    Knoxville$2,148
    Eugene$2,145
    Albuquerque$2,142
    Jacksonville$2,139
    Abilene$2,136
    Panama City$2,133
    Grand Haven$2,127
    Rochester$2,127
    Houston$2,124
    Charlotte$2,118
    County Cost Group 820$2,118
    Spokane$2,106
    Memphis$2,103
    Kings Bay$2,097
    Rome$2,097
    Grand Rapids$2,085
    Durham$2,082
    Eastern Shore$2,082
    Lemoore NAS$2,079
    Salt Lake City$2,070
    Fairbanks$2,064
    Myrtle Beach$2,064
    Fort Worth$2,061
    Ogden$2,058
    Raleigh$2,046
    Nellis AFB$2,031
    Gainesville$2,025
    Carlisle Barracks$2,022
    County Cost Group 810$2,022
    Omaha$2,022
    Duluth$2,019
    Provo$2,019
    Eastern Panhandle$2,010
    Wilmington$2,007
    Syracuse$1,995
    Twenty Nine Palms MCB$1,989
    Helena$1,971
    Barstow$1,968
    Salem$1,965
    El Centro$1,962
    Chattanooga$1,950
    Kansas City$1,944
    Toledo$1,944
    Cleveland$1,932
    Louisville$1,932
    Rapid City$1,929
    County Cost Group 800$1,920
    Boise$1,902
    Fort Wayne$1,896
    Jackson$1,890
    Humboldt County$1,887
    Greenville$1,881
    College Station$1,878
    Yakima$1,878
    Battle Creek$1,875
    Fort Gordon$1,866
    New Orleans$1,866
    Bloomington$1,860
    Columbia$1,860
    Roanoke$1,860
    County Cost Group 790$1,851
    Rock Island$1,851
    Columbus$1,848
    Bangor$1,842
    Baton Rouge$1,842
    Pensacola$1,842
    Davis-Monthan AFB$1,839
    Mobile$1,839
    Morehead$1,839
    Indianapolis$1,836
    San Antonio (JBSA)$1,827
    Lexington$1,824
    Little Rock$1,824
    Tallahassee$1,815
    Fargo$1,803
    Shreveport$1,800
    Coos Bay$1,797
    Fort Campbell$1,794
    Fort Leavenworth$1,794
    State College$1,794
    Fort Bragg$1,782
    County Cost Group 780$1,776
    Greensboro$1,770
    Robins AFB$1,770
    Fort Bliss$1,764
    Huntsville$1,758
    Marquette$1,758
    Fayetteville$1,746
    Corpus Christi$1,743
    Lansing$1,743
    Lincoln$1,743
    Cheyenne$1,728
    Des Moines$1,722
    Wilkes-Barre$1,722
    County Cost Group 770$1,716
    Waco$1,713
    Bismarck$1,701
    Fort Benning$1,692
    Fort Hood$1,689
    Fort Knox$1,683
    Mountain Home AFB$1,683
    Auburn$1,680
    Fort Huachuca$1,674
    Grand Forks$1,662
    Montgomery$1,662
    Johnson City$1,656
    County Cost Group 760$1,650
    Yuma$1,650
    Wichita Fls$1,647
    Fort Drum$1,638
    White Sands MR$1,638
    Oklahoma City$1,614
    Wright-Patterson AFB$1,614
    Tulsa$1,611
    County Cost Group 750$1,605
    Camp Lejeune$1,596
    Fallon NAS$1,596
    St Mary And Terrebonne$1,593
    Malmstrom SFB$1,590
    Topeka$1,590
    Morgantown$1,578
    Gulfport$1,575
    Akron$1,569
    Scott AFB$1,560
    Whiteman AFB$1,560
    China Lake$1,554
    Columbus AFB$1,554
    County Cost Group 740$1,554
    Peoria$1,554
    Sioux Falls$1,545
    Goodfellow AFB$1,542
    Lafayette$1,542
    Minot AFB$1,542
    Seymour Johnson AFB$1,542
    Lexington$1,539
    Holloman AFB$1,536
    Fort Rucker$1,533
    Champaign$1,530
    County Cost Group 730$1,524
    Moody AFB$1,521
    Beaumont$1,515
    County Cost Group 720$1,503
    Huntington$1,494
    Sumter$1,494
    Sault Ste Marie$1,491
    Brownsville$1,482
    County Cost Group 710$1,482
    Springfield$1,476
    Erie$1,470
    Terre Haute$1,467
    County Cost Group 700$1,464
    Lubbock$1,461
    County Cost Group 690$1,452
    Fort Leonard Wood$1,452
    Frankfort$1,452
    Paducah$1,452
    Saginaw$1,449
    County Cost Group 680$1,440
    Laughlin AFB$1,440
    Springfield$1,434
    County Cost Group 670$1,431
    County Cost Group 660$1,419
    County Cost Group 650$1,410
    Sparta$1,410
    Fort Polk$1,407
    County Cost Group 640$1,404
    County Cost Group 630$1,395
    County Cost Group 620$1,389
    Fort Riley$1,386
    County Cost Group 610$1,380
    Charleston$1,377
    County Cost Group 600$1,374
    Hattiesburg$1,374
    Albany$1,362
    County Cost Group 590$1,362
    Wichita$1,362
    Columbia$1,356
    County Cost Group 580$1,353
    County Cost Group 570$1,341
    Fort Chaffee$1,341
    Alexandria$1,338
    Lake Charles$1,338
    Cannon AFB$1,335
    County Cost Group 560$1,332
    Stevens Point$1,326
    County Cost Group 550$1,323
    County Cost Group 540$1,314
    County Cost Group 530$1,308
    County Cost Group 520$1,305
    County Cost Group 510$1,299
    Meridian$1,272
    Altus AFB$1,251
    Monroe$1,251
    Fort Sill$1,227
    Vance AFB$1,221
    Anniston$1,194
    Youngstown$1,176

    Tulsa is #255 of 338. The spread between the dearest and cheapest station at this grade is $3,915 a month — $46,980 a year, untaxed.

    Every pay grade at Tulsa0 – $2,121 / month
    E-1$1,236
    E-2$1,236
    E-3$1,236
    E-4$1,236
    E-5$1,365
    E-6$1,455
    E-7$1,542
    E-8$1,704
    E-9$1,788
    W-1$1,524
    W-2$1,701
    W-3$1,803
    W-4$1,953
    W-5$2,016
    O-1E$1,635
    O-2E$1,770
    O-3E$1,935
    O-1$1,443
    O-2$1,611
    O-3$1,830
    O-4$1,998
    O-5$2,076
    O-6$2,091
    O-7$2,121

    Promoting to O-3 here adds $219 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 Tulsa to New York City at O-2 is worth $3,480 a month — about 16 promotions worth of housing allowance, at $219 per grade here.

    02

    Dependency status is worth 20% 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. $1,611 a month of BAH takes more than $1,611 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.