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

Press Enter to look it up.

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
With $1,755 Without $1,440

E-5 at Waco draws $1,755 per month with dependents in 2026, $1,440 without

Permalink bahratedesk.com/waco-tx/ Excel CSV
Waco, TX
E-5 · with dependents
$1,755/ month
$21,060 / year
At E-5, this is #233 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA TX415 · ZIPs 76524 76557 76624 76630 76633 76638 +27 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,250 / mo gross
Without dependents here $1,440 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Waco · E-5 · $1,755/mo
Waco $1,755/mo · $21,060/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.

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

Waco — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,617 $1,404
E-2 $1,617 $1,404
E-3 $1,617 $1,404
E-4 $1,617 $1,404
E-5 $1,755 $1,440
E-6 $2,097 $1,572
E-7 $2,199 $1,650
E-8 $2,310 $1,830
E-9 $2,496 $1,926
Warrant officer
W-1 $2,118 $1,590
W-2 $2,244 $1,827
W-3 $2,382 $1,938
W-4 $2,538 $2,118
W-5 $2,730 $2,223
Officer — prior enlisted
O-1E $2,217 $1,752
O-2E $2,361 $1,902
O-3E $2,568 $2,091
Officer
O-1 $1,803 $1,473
O-2 $2,094 $1,713
O-3 $2,379 $1,971
O-4 $2,793 $2,199
O-5 $3,093 $2,319
O-6 $3,117 $2,361
O-7 $3,138 $2,400

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Lansing $1,806
Robins AFB $1,800
Huntsville $1,797
State College $1,791
Corpus Christi $1,788
Lincoln $1,788
Fayetteville $1,782
Coos Bay $1,779
Des Moines $1,770
College Station $1,758
Waco $1,755
County Cost Group 770 $1,752
Wilkes-Barre $1,740
Grand Forks $1,731
Fort Huachuca $1,719
Fort Benning $1,716
Auburn $1,707
Fargo $1,707
White Sands MR $1,701
Fort Hood $1,695
Yuma $1,695
Anniston $1,185

Waco is #233 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Waco0 – $3,138 / month
E-1 $1,617
E-2 $1,617
E-3 $1,617
E-4 $1,617
E-5 $1,755
E-6 $2,097
E-7 $2,199
E-8 $2,310
E-9 $2,496
W-1 $2,118
W-2 $2,244
W-3 $2,382
W-4 $2,538
W-5 $2,730
O-1E $2,217
O-2E $2,361
O-3E $2,568
O-1 $1,803
O-2 $2,094
O-3 $2,379
O-4 $2,793
O-5 $3,093
O-6 $3,117
O-7 $3,138

The pay chart moves this allowance far less than the map does.

Moving from Waco to San Francisco at E-5 is worth $3,372 a month — about 10 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.