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-5 with dependents at Whidbey Island draws $3,402 per month in 2026

    Permalinkbahratedesk.com/whidbey-island-wa/o-5/with/ExcelCSVDownloads cover this station.
    Whidbey Island, WA
    O-5 · with dependents
    $3,402/ month
    $40,824 / year
    At O-5, this is #114 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA WA312 · ZIPs 98221 98222 98232 98233 98235 98236 +17 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,362 / mo gross
    Other dependency status here$2,958 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Whidbey Island — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,013$1,839
    E-2$2,013$1,839
    E-3$2,013$1,839
    E-4$2,013$1,839
    E-5$2,073$1,905
    E-6$2,745$2,058
    E-7$2,877$2,157
    E-8$3,018$2,265
    E-9$3,159$2,412
    Warrant officer
    W-1$2,766$2,076
    W-2$2,934$2,208
    W-3$3,111$2,436
    W-4$3,174$2,772
    W-5$3,258$2,910
    Officer — prior enlisted
    O-1E$2,901$2,175
    O-2E$3,084$2,367
    O-3E$3,189$2,739
    Officer
    O-1$2,157$1,950
    O-2$2,736$2,160
    O-3$3,105$2,499
    O-4$3,279$2,880
    O-5$3,402$2,958
    O-6$3,429$3,090
    O-7$3,453$3,144
    PCS compareWhidbey Island · O-5 · $3,402/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▲ RAISE+$228+$2,736/yr · like +$3,508 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Fresno$3,414
    Bremerton$3,411
    Pittsburgh$3,408
    Fairbanks$3,405
    Whidbey Island$3,402
    Tampa$3,390
    Traverse City$3,390
    Minneapolis$3,384
    County Cost Group 830$3,366
    Youngstown$1,827

    Whidbey Island is #114 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 a year, untaxed.

    Every pay grade at Whidbey Island0 – $3,453 / month
    E-1$2,013
    E-2$2,013
    E-3$2,013
    E-4$2,013
    E-5$2,073
    E-6$2,745
    E-7$2,877
    E-8$3,018
    E-9$3,159
    W-1$2,766
    W-2$2,934
    W-3$3,111
    W-4$3,174
    W-5$3,258
    O-1E$2,901
    O-2E$3,084
    O-3E$3,189
    O-1$2,157
    O-2$2,736
    O-3$3,105
    O-4$3,279
    O-5$3,402
    O-6$3,429
    O-7$3,453

    Promoting to O-6 here adds $27 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 Whidbey Island to Westchester County at O-5 is worth $4,662 a month — about 173 promotions worth of housing allowance, at $27 per grade here.

    02

    Dependency status is worth 15% 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.