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 West Point draws $3,402 per month in 2026

    Permalinkbahratedesk.com/west-point-ny/o-2/without/ExcelCSVDownloads cover this station.
    West Point, NY
    O-2 · without dependents
    $3,402/ month
    $40,824 / year
    At O-2, this is #26 of 338 stations loaded · high New York City $5,091 · low Youngstown $1,176
    MHA NY217 · ZIPs 10901 10910 10911 10912 10913 10914 +77 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$4,362 / mo gross
    Other dependency status here$4,113 with dependents
    In government quarters, no dependents$50.10 / mo partial
    West Point — full sheetTap 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
    PCS compareWest Point · O-2 · $3,402/mo
    Aberdeen Proving Grounds$2,412/mo · $28,944/yr
    ▼ CUT−$990−$11,880/yr · like −$15,231 of salary

    What this rate means

    O-2 without dependents, nearest stations0 – $5,091 / month
    New York City$5,091
    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
    Youngstown$1,176

    West Point is #26 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 West Point0 – $4,440 / month
    E-1$2,514
    E-2$2,514
    E-3$2,514
    E-4$2,514
    E-5$2,859
    E-6$3,090
    E-7$3,264
    E-8$3,600
    E-9$3,795
    W-1$3,195
    W-2$3,597
    W-3$3,819
    W-4$4,137
    W-5$4,236
    O-1E$3,465
    O-2E$3,753
    O-3E$4,113
    O-1$3,045
    O-2$3,402
    O-3$3,882
    O-4$4,215
    O-5$4,269
    O-6$4,362
    O-7$4,440

    Promoting to O-3 here adds $480 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 West Point to New York City at O-2 is worth $1,689 a month — about 4 promotions worth of housing allowance, at $480 per grade here.

    02

    Dependency status is worth 21% 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. $3,402 a month of BAH takes more than $3,402 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.