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 $3,468 Without $2,859

E-5 at West Point draws $3,468 per month with dependents in 2026, $2,859 without

Permalink bahratedesk.com/west-point-ny/ Excel CSV
West Point, NY
E-5 · with dependents
$3,468/ month
$41,616 / year
At E-5, this is #26 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA NY217 · ZIPs 10901 10910 10911 10912 10913 10914 +77 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $4,446 / mo gross
Without dependents here $2,859 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare West Point · E-5 · $3,468/mo
West Point $3,468/mo · $41,616/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.

West Point — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $3,258 $2,514
E-2 $3,258 $2,514
E-3 $3,258 $2,514
E-4 $3,258 $2,514
E-5 $3,468 $2,859
E-6 $4,119 $3,090
E-7 $4,215 $3,264
E-8 $4,317 $3,600
E-9 $4,521 $3,795
Warrant officer
W-1 $4,140 $3,195
W-2 $4,257 $3,597
W-3 $4,383 $3,819
W-4 $4,572 $4,137
W-5 $4,806 $4,236
Officer — prior enlisted
O-1E $4,230 $3,465
O-2E $4,362 $3,753
O-3E $4,608 $4,113
Officer
O-1 $3,549 $3,045
O-2 $4,113 $3,402
O-3 $4,380 $3,882
O-4 $4,884 $4,215
O-5 $5,253 $4,269
O-6 $5,298 $4,362
O-7 $5,340 $4,440

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Los Angeles $3,882
Kauai County $3,798
Oakland $3,759
Staten Island $3,735
Honolulu County $3,663
Miami $3,660
Hawaii County $3,594
Fort Monmouth $3,549
Ventura $3,537
Essex CO $3,477
West Point $3,468
Monterey $3,465
Trenton $3,465
Chicago $3,438
West Palm Beach $3,423
Perth Amboy $3,393
Vallejo $3,369
Juneau $3,354
Riverside $3,351
Vandenberg SFB $3,333
Portsmouth $3,321
Anniston $1,185

West Point is #26 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 West Point0 – $5,340 / month
E-1 $3,258
E-2 $3,258
E-3 $3,258
E-4 $3,258
E-5 $3,468
E-6 $4,119
E-7 $4,215
E-8 $4,317
E-9 $4,521
W-1 $4,140
W-2 $4,257
W-3 $4,383
W-4 $4,572
W-5 $4,806
O-1E $4,230
O-2E $4,362
O-3E $4,608
O-1 $3,549
O-2 $4,113
O-3 $4,380
O-4 $4,884
O-5 $5,253
O-6 $5,298
O-7 $5,340

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

Moving from West Point to San Francisco at E-5 is worth $1,659 a month — about 3 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.