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-1 with dependents at Willow Grove draws $2,997 per month in 2026

    Permalinkbahratedesk.com/willow-grove-pa/o-1/with/ExcelCSVDownloads cover this station.
    Willow Grove, PA
    O-1 · with dependents
    $2,997/ month
    $35,964 / year
    At O-1, this is #53 of 338 stations loaded · high San Francisco $5,172 · low Youngstown $1,218
    MHA PA249 · ZIPs 18039 18041 18054 18070 18073 18074 +207 more
    Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt
    Untaxed — matching it with taxable pay takes$3,842 / mo gross
    Other dependency status here$2,523 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Willow Grove — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,730$2,049
    E-2$2,730$2,049
    E-3$2,730$2,049
    E-4$2,730$2,049
    E-5$2,934$2,337
    E-6$3,399$2,550
    E-7$3,423$2,736
    E-8$3,432$3,030
    E-9$3,495$3,165
    Warrant officer
    W-1$3,420$2,670
    W-2$3,429$3,027
    W-3$3,441$3,183
    W-4$3,525$3,396
    W-5$3,669$3,405
    Officer — prior enlisted
    O-1E$3,426$2,931
    O-2E$3,435$3,135
    O-3E$3,549$3,393
    Officer
    O-1$2,997$2,523
    O-2$3,393$2,871
    O-3$3,438$3,228
    O-4$3,714$3,399
    O-5$3,939$3,408
    O-6$3,969$3,411
    O-7$3,999$3,447
    PCS compareWillow Grove · O-1 · $2,997/mo
    Aberdeen Proving Grounds$2,517/mo · $30,204/yr
    ▼ CUT−$480−$5,760/yr · like −$7,385 of salary

    What this rate means

    O-1 with dependents, nearest stations0 – $5,172 / month
    San Francisco$5,172
    New Haven$3,150
    Fitchburg$3,147
    Warrenton$3,111
    Santa Fe$3,024
    Willow Grove$2,997
    Beale AFB$2,994
    Quantico$2,991
    Worcester$2,982
    Annapolis$2,970
    Youngstown$1,218

    Willow Grove is #53 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 a year, untaxed.

    Every pay grade at Willow Grove0 – $3,999 / month
    E-1$2,730
    E-2$2,730
    E-3$2,730
    E-4$2,730
    E-5$2,934
    E-6$3,399
    E-7$3,423
    E-8$3,432
    E-9$3,495
    W-1$3,420
    W-2$3,429
    W-3$3,441
    W-4$3,525
    W-5$3,669
    O-1E$3,426
    O-2E$3,435
    O-3E$3,549
    O-1$2,997
    O-2$3,393
    O-3$3,438
    O-4$3,714
    O-5$3,939
    O-6$3,969
    O-7$3,999

    Promoting to O-2 here adds $396 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 Willow Grove to San Francisco at O-1 is worth $2,175 a month — about 5 promotions worth of housing allowance, at $396 per grade here.

    02

    Dependency status is worth 19% 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. $2,997 a month of BAH takes more than $2,997 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.