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-2E with dependents at Willow Grove draws $3,435 per month in 2026

    Permalinkbahratedesk.com/willow-grove-pa/o-2e/with/ExcelCSVDownloads cover this station.
    Willow Grove, PA
    O-2E · with dependents
    $3,435/ month
    $41,220 / year
    At O-2E, this is #61 of 338 stations loaded · high Westchester County $6,564 · low Anniston $1,671
    MHA PA249 · ZIPs 18039 18041 18054 18070 18073 18074 +207 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$4,404 / mo gross
    Other dependency status here$3,135 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-2E · $3,435/mo
    Aberdeen Proving Grounds$3,051/mo · $36,612/yr
    ▼ CUT−$384−$4,608/yr · like −$5,908 of salary

    What this rate means

    O-2E with dependents, nearest stations0 – $6,564 / month
    Westchester County$6,564
    JB McGuire-Dix-Lakehurst$3,543
    Vallejo$3,531
    County Cost Group 880$3,471
    Sitka$3,447
    Willow Grove$3,435
    Annapolis$3,423
    San Bernardino$3,411
    Austin$3,408
    Fort G. G. Meade$3,402
    Anniston$1,671

    Willow Grove is #61 of 338. The spread between the dearest and cheapest station at this grade is $4,893 a month — $58,716 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-3E here adds $114 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 Westchester County at O-2E is worth $3,129 a month — about 27 promotions worth of housing allowance, at $114 per grade here.

    02

    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.

    03

    None of it is taxed. $3,435 a month of BAH takes more than $3,435 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.