What is O-7 BAH at Whidbey Island in 2026?

$3,453 per month with dependents ($41,436 per year), effective 01 JAN 2026. without dependents it is $3,144 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-7 BAH at Whidbey Island 2026 — $3,453/mo with dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Whidbey Island, WA

O-7 · with dependents

$3,453/ month

$41,436 / year

At O-7, this is #114 of 338 stations loaded · high Westchester County $8,208 · low Youngstown $1,845

MHA WA312 · ZIPs 98221 98222 98232 98233 98235 98236 +17 more

Your grade is calledARMYBGUSMCBGenNAVYRDMLUSAFBrig Gen

Untaxed — matching it with taxable pay takes$4,427 / mo gross

Other dependency status here$3,144 without dependents

In government quarters, no dependents$50.10 / mo partial

Whidbey Island — full sheetTap a row

Grade	With 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

What this rate means

O-7 with dependents, nearest stations0 – $8,208 / month

Westchester County$8,208

Fresno$3,465

Bremerton$3,462

Pittsburgh$3,459

Fairbanks$3,456

Whidbey Island$3,453

Tampa$3,441

Traverse City$3,441

Minneapolis$3,435

County Cost Group 830$3,417

Youngstown$1,845

Whidbey Island is #114 of 338. The spread between the dearest and cheapest station at this grade is $6,363 a month — $76,356 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

Rates flatten out at the top of each track, which is why the sheet stops at O-7.

Dependency status is worth 10% 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.

None of it is taxed. $3,453 a month of BAH takes more than $3,453 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-7 with dependents at Whidbey Island draws $3,453 per month in 2026

What this rate means

Things the rate table doesn't tell you