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
    With $2,217Without $1,752

    O-1E at Waco draws $2,217 per month with dependents in 2026, $1,752 without

    Permalinkbahratedesk.com/waco-tx/o-1e/ExcelCSVDownloads cover this station.
    Waco, TX
    O-1E · with dependents
    $2,217/ month
    $26,604 / year
    At O-1E, this is #217 of 338 stations loaded · high Westchester County $5,931 · low Youngstown $1,521
    MHA TX415 · ZIPs 76524 76557 76624 76630 76633 76638 +27 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$2,842 / mo gross
    Without dependents here$1,752 / mo
    In government quarters, no dependents$50.10 / mo partial
    Waco — full sheetTap 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
    PCS compareWaco · O-1E · $2,217/mo
    Aberdeen Proving Grounds$2,883/mo · $34,596/yr
    ▲ RAISE+$666+$7,992/yr · like +$10,246 of salary

    What this rate means

    O-1E with dependents, nearest stations0 – $5,931 / month
    Westchester County$5,931
    County Cost Group 780$2,220
    Fort Huachuca$2,220
    Johnson City$2,220
    Baton Rouge$2,217
    Waco$2,217
    Morehead$2,205
    Wichita Fls$2,202
    Fort Gordon$2,193
    Toledo$2,187
    Youngstown$1,521

    Waco is #217 of 338. The spread between the dearest and cheapest station at this grade is $4,410 a month — $52,920 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

    Promoting to O-2E here adds $144 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 Waco to Westchester County at O-1E is worth $3,714 a month — about 26 promotions worth of housing allowance, at $144 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. $2,217 a month of BAH takes more than $2,217 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.