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O-5 BAH Rates 2026 by Location
Monthly Basic Allowance for Housing for an O-5 in all 299 military housing areas — official DoD rates for 2026.
Median, with dependents
$3,099
Median, without dependents
$2,520
Range, with dependents
$1,827 – $8,064
Highest O-5 BAH
Housing area With dependents Without dependents Westchester County, NY $8,064 $6,162 New York City, NY $7,128 $5,346 San Francisco, CA $7,089 $5,499 Nantucket, MA $6,933 $5,310 Boston, MA $6,483 $5,019 Maui County, HI $6,378 $5,268 Santa Clara County, CA $6,333 $5,100 Florida Keys, FL $6,213 $4,659 Hanscom AFB, MA $6,087 $4,647 Northern New Jersey, NJ $5,991 $5,070
Lowest O-5 BAH
Housing area With dependents Without dependents Youngstown, OH $1,827 $1,593 Cannon AFB/Clovis, NM $1,944 $1,755 Stevens Point, WI $1,998 $1,716 Saginaw, MI $2,007 $1,791 Monroe, LA $2,040 $1,674 Anniston/Fort Mcclellan, AL $2,115 $1,596 Huntington, WV $2,190 $1,848 Frankfort, KY $2,199 $2,001 Fort Leonard Wood, MO $2,223 $1,899 Sparta/Fort Mccoy, WI $2,223 $1,884
Look up BAH by ZIP code →
All 299 housing areas, O-5
Housing area With dependents Without dependents Aberdeen Proving Grounds, MD $3,630 $2,934 Abilene/Dyess AFB, TX $3,234 $2,829 Akron, OH $2,715 $2,037 Albany, GA $2,532 $1,899 Albuquerque/Kirtland AFB, NM $2,871 $2,358 Alexandria, LA $2,496 $1,872 Allentown/Bethlehem, PA $3,465 $2,853 Altus AFB, OK $2,343 $1,758 Anchorage, AK $4,095 $3,162 Ann Arbor, MI $4,128 $3,240 Annapolis, MD $4,101 $3,342 Anniston/Fort Mcclellan, AL $2,115 $1,596 Asheville, NC $3,723 $2,793 Astoria, OR $3,672 $3,045 Atlanta, GA $2,964 $2,715 Atlantic City, NJ $4,296 $3,486 Auburn, AL $2,934 $2,202 Austin, TX $4,095 $3,198 Ballston Spa/Albany, NY $3,777 $3,081 Baltimore, MD $3,711 $3,045 Bangor, ME $2,814 $2,328 Barstow/Fort Irwin, CA $3,144 $2,616 Baton Rouge, LA $2,748 $2,199 Battle Creek/Kalamazoo, MI $2,973 $2,445 Beale AFB, CA $3,492 $3,135 Beaufort/Parris Island, SC $3,438 $2,832 Beaumont, TX $2,553 $1,926 Birmingham, AL $2,826 $2,535 Bismarck, ND $2,391 $2,292 Bloomington, IN $3,225 $2,418 Boise, ID $2,763 $2,319 Boston, MA $6,483 $5,019 Boulder, CO $4,218 $3,561 Bremerton, WA $3,411 $2,913 Bridgeport, CA $3,525 $2,922 Brownsville, TX $2,721 $2,040 Brunswick, ME $3,894 $3,312 Buffalo, NY $3,324 $2,676 Burlington, VT $4,857 $4,020 Camp Lejeune, NC $2,553 $2,016 Camp Pendleton, CA $5,391 $4,548 Cannon AFB/Clovis, NM $1,944 $1,755 Cape Cod-Plymouth, MA $5,196 $4,248 Cape May, NJ $3,969 $3,129 Carlisle Barracks, PA $3,069 $2,475 Champaign/Urbana, IL $2,820 $2,115 Charleston, SC $3,039 $2,664 Charleston, WV $2,463 $1,848 Charlotte, NC $2,577 $2,445 Charlottesville, VA $3,540 $2,907 Chattanooga, TN $3,201 $2,460 Cheyenne, WY $2,916 $2,343 Chicago, IL $4,086 $3,711 China Lake, CA $2,658 $1,995 Cincinnati, OH $3,060 $2,562 Cleveland, OH $3,222 $2,430 Coastal Maine, ME $3,183 $2,790 College Station, TX $3,513 $2,634 Colorado Springs, CO $2,913 $2,517 Columbia/Fort Jackson, SC $2,724 $2,172 Columbia/Jefferson City, MO $2,583 $1,938 Columbus AFB, MS $2,493 $2,097 Columbus, OH $2,949 $2,439 Coos Bay, OR $3,117 $2,508 Corpus Christi, TX $2,964 $2,364 Corvallis, OR $3,768 $2,826 Dahlgren/Fort A.p. Hill $3,534 $2,781 Dahlonega, GA $2,892 $2,520 Dallas, TX $3,192 $2,826 Davis-Monthan AFB, AZ $2,550 $2,154 Denver, CO $3,588 $3,135 Des Moines, IA $2,904 $2,334 Detroit, MI $3,555 $2,688 Dover AFB/Rehoboth, DE $3,081 $2,832 Duluth, MN $2,808 $2,346 Durham/Chapel Hill, NC $3,231 $2,451 Eastern Panhandle, WV $3,027 $2,376 Eastern Shore, MD $2,820 $2,355 Edwards AFB/Palmdale, CA $3,840 $3,207 Eglin AFB, FL $3,612 $3,066 El Centro, CA $2,976 $2,460 El Paso, TX $2,466 $2,172 Elizabeth City, NC $3,264 $2,607 Erie, PA $2,226 $1,782 Essex Co, MA $5,853 $4,389 Eugene, OR $3,324 $2,643 Everett, WA $3,936 $3,435 Fairbanks, AK $3,405 $2,733 Fallon NAS, NV $2,625 $2,109 Fargo, ND $2,904 $2,430 Fayetteville, AR $2,847 $2,223 Fitchburg, MA $4,965 $3,831 Florida Keys, FL $6,213 $4,659 Fort Benning, GA $2,469 $2,013 Fort Bragg/Pope, NC $2,610 $2,109 Fort Campbell, KY $3,006 $2,334 Fort Chaffee/Fort Smith, AR $2,370 $1,842 Fort Collins, CO $3,165 $2,688 Fort Detrick, MD $3,804 $3,168 Fort Drum/Watertown, NY $2,784 $2,244 Fort G. G. Meade, MD $4,014 $3,345 Fort Gordon, AL $2,787 $2,199 Fort Hood, TX $2,748 $2,169 Fort Huachuca, AZ $2,481 $2,202 Fort Knox, KY $2,943 $2,301 Fort Leavenworth, KS $2,589 $2,283 Fort Leonard Wood, MO $2,223 $1,899 Fort Monmouth/Earle Nws, NJ $4,986 $4,224 Fort Myers Beach, FL $3,504 $3,036 Fort Pierce, FL $3,648 $2,970 Fort Polk, LA $2,262 $1,884 Fort Riley, KS $2,325 $1,875 Fort Rucker, AL $2,742 $2,058 Fort Sill/Lawton, OK $2,271 $1,704 Fort Stewart, GA $3,129 $2,520 Fort Wayne, IN $2,727 $2,163 Fort Worth, TX $2,793 $2,430 Frankfort, KY $2,199 $2,001 Fresno, CA $3,414 $2,880 Gainesville, FL $3,276 $2,556 Goodfellow AFB, TX $2,415 $2,046 Grand Forks, ND $2,682 $2,109 Grand Haven, MI $2,913 $2,514 Grand Rapids, MI $2,946 $2,418 Great Lakes Navtracen, IL $3,645 $2,907 Greensboro, NC $2,631 $2,187 Greenville, SC $2,649 $2,142 Gulfport, MS $2,625 $1,968 Hampden County, MA $3,978 $3,201 Hampton/Newport News, VA $3,099 $2,442 Hanscom AFB, MA $6,087 $4,647 Hartford, CT $4,395 $3,588 Hattiesburg, MS $2,370 $1,779 Hawaii County, HI $4,263 $3,885 Helena, MT $3,231 $2,670 Holloman AFB/Alamogordo, NM $2,376 $1,884 Honolulu County, HI $4,959 $4,224 Houston, TX $3,288 $2,616 Humboldt County, CA $3,288 $2,634 Huntington, WV $2,190 $1,848 Huntsville, AL $2,607 $2,154 Indian Head Navordsta, MD $4,278 $3,543 Indianapolis, IN $2,559 $2,253 Jackson, MS $3,084 $2,361 Jacksonville, FL $2,736 $2,301 JB Mcguire-Dix-Lakehurst, NJ $4,122 $3,495 Johnson City/Kingsport, TN $2,895 $2,247 Juneau, AK $4,074 $3,483 Kansas City, MO $2,847 $2,241 Kauai County, HI $5,892 $4,503 Ketchikan, AK $4,002 $3,141 Kings Bay/Brunswick, GA $2,916 $2,304 Knoxville, TN $3,492 $2,796 Kodiak Island, AK $3,831 $3,039 Lafayette, LA $2,484 $1,950 Lake Charles, LA $2,472 $1,854 Lansing, MI $2,820 $2,115 Laughlin AFB/Del Rio, TX $2,820 $2,115 Lemoore NAS, CA $2,835 $2,367 Lexington, KY $2,841 $2,175 Lexington, VA $2,634 $2,064 Lincoln, NE $2,667 $2,199 Little Rock, AR $2,598 $1,950 Long Island, NY $5,823 $4,938 Los Angeles, CA $5,436 $4,386 Louisville, KY $2,973 $2,331 Lubbock, TX $2,604 $1,953 Madison, WI $3,993 $3,216 Malmstrom Sfb/Great Falls, MT $2,724 $2,088 Manchester/Concord, NH $4,707 $3,960 Marin/Sonoma, CA $4,863 $4,011 Marquette, MI $2,811 $2,232 Martha's Vineyard, MA $5,646 $4,854 Maui County, HI $6,378 $5,268 Memphis, TN $2,643 $2,325 Meridian, MS $2,382 $1,788 Miami/Fort Lauderdale, FL $5,763 $4,323 Milwaukee, WI $3,831 $2,994 Minneapolis/St Paul, MN $3,384 $2,844 Minot AFB, ND $2,508 $2,088 Mobile, AL $2,730 $2,136 Monroe, LA $2,040 $1,674 Monterey, CA $5,565 $4,464 Montgomery, AL $2,565 $1,923 Moody AFB, GA $2,589 $1,959 Morehead/Cherry Pt MCAS, NC $2,898 $2,265 Morgantown, WV $2,613 $1,971 Mountain Home AFB, ID $2,901 $2,259 Myrtle Beach, SC $2,982 $2,445 Nantucket, MA $6,933 $5,310 Nashville, TN $3,219 $2,724 Nellis AFB/Las Vegas, NV $2,775 $2,301 New Haven/Fairfield, CT $4,590 $3,780 New London, CT $3,906 $3,204 New Orleans, LA $3,060 $2,472 New York City, NY $7,128 $5,346 Newport, RI $4,668 $3,873 Norfolk/Portsmouth, VA $3,318 $2,625 Northern New Jersey, NJ $5,991 $5,070 Oakland, CA $5,133 $4,254 Ocala, FL $2,922 $2,409 Ogden/Hill AFB, UT $2,715 $2,292 Oklahoma City, OK $2,337 $1,911 Omaha/Offutt AFB, NE $3,231 $2,502 Orlando, FL $3,255 $2,970 Outer Banks, NC $3,696 $3,018 Oxford, MD $3,663 $2,907 Paducah, KY $2,694 $2,022 Panama City, FL $3,060 $2,595 Patrick Sfb, FL $3,267 $2,892 Patuxent River, MD $3,300 $2,670 Pensacola, FL $2,610 $2,244 Peoria, IL $2,463 $1,956 Perth Amboy, NJ $4,926 $4,161 Philadelphia, PA/Camden, NJ $3,759 $2,985 Phoenix, AZ $2,775 $2,463 Pittsburgh, PA $3,408 $2,613 Port Angeles, WA $3,435 $2,982 Portland, ME $5,235 $3,996 Portland, OR $3,702 $2,913 Portsmouth, NH/Kittery, ME $5,355 $4,167 Providence, RI $4,533 $3,792 Provo, UT $2,901 $2,403 Quantico/Woodbridge, VA $4,065 $3,252 Raleigh, NC $2,736 $2,352 Rapid City/Ellsworth AFB, SD $2,850 $2,361 Reno/Carson City, NV $3,357 $2,736 Richmond/Fort Lee, VA $3,231 $2,694 Riverside, CA $4,002 $3,627 Roanoke, VA $2,787 $2,202 Robins AFB, GA $2,709 $2,064 Rochester, NY $3,222 $2,652 Rock Island, IL $2,868 $2,265 Rome/Griffiss AFB, NY $3,243 $2,811 Sacramento, CA $3,525 $3,003 Saginaw, MI $2,007 $1,791 Salem, OR $3,228 $2,580 Salt Lake City, UT $3,096 $2,586 San Antonio, TX $2,457 $2,100 San Bernardino, CA $3,798 $3,390 San Diego, CA $5,493 $4,458 San Francisco, CA $7,089 $5,499 San Luis Obispo, CA $5,430 $4,101 Santa Clara County, CA $6,333 $5,100 Santa Fe/Los Alamos, NM $4,023 $3,585 Sault Ste Marie, MI $2,595 $1,947 Savannah, GA $3,249 $2,694 Scott AFB, IL $2,928 $2,196 Seattle, WA $4,797 $4,086 Seymour Johnson AFB, NC $2,649 $2,109 Shreveport/Barksdale AFB, LA $2,778 $2,163 Sioux Falls, SD $2,511 $2,064 Sitka, AK $3,768 $3,348 Sparta/Fort Mccoy, WI $2,223 $1,884 Spokane, WA $3,195 $2,721 Springfield, MO $2,649 $1,986 Springfield/Decatur, IL $2,412 $1,920 St Mary And Terrebonne, LA $2,565 $1,923 St. Louis, MO $3,261 $2,703 State College, PA $3,180 $2,454 Staten Island, NY $5,394 $4,416 Stevens Point, WI $1,998 $1,716 Stockton, CA $4,047 $3,156 Sumter/Shaw AFB, SC $2,589 $1,998 Syracuse, NY $3,198 $2,640 Tacoma, WA $3,471 $3,030 Tallahassee, FL $3,099 $2,376 Tampa, FL $3,390 $3,057 Terre Haute, IN $2,655 $1,992 Toledo, OH $2,811 $2,172 Topeka, KS $2,619 $1,974 Traverse City, MI $3,390 $2,955 Trenton, NJ $5,334 $4,203 Tulsa, OK $2,766 $2,076 Twenty Nine Palms MCB, CA $3,291 $2,703 Vallejo/Travis AFB, CA $3,927 $3,513 Vance AFB/Enid, OK $2,415 $1,812 Vandenberg Sfb, CA $4,356 $3,711 Ventura, CA $4,788 $4,122 Volusia County, FL $2,970 $2,565 Waco, TX $3,093 $2,319 Warrenton, VA $4,599 $3,543 Washington, DC Metro Area $4,692 $3,909 West Palm Beach, FL $4,782 $3,822 West Point, NY $5,253 $4,269 Westchester County, NY $8,064 $6,162 Whidbey Island, WA $3,402 $2,958 White Sands Mr/Las Cruces, NM $2,358 $2,007 Whiteman AFB, MO $2,715 $2,112 Wichita Fls/Sheppard AFB, TX $2,955 $2,229 Wichita/Mcconnell AFB, KS $2,445 $1,833 Wilkes-Barre/Scranton, PA $2,676 $2,007 Willow Grove, PA $3,939 $3,408 Wilmington, NC $3,303 $2,565 Worcester, MA $4,686 $3,606 Wright-Patterson AFB, OH $2,703 $2,028 Yakima, WA $3,243 $2,568 Youngstown, OH $1,827 $1,593 Yuma, AZ $2,454 $1,956
Other grades: O-4 BAH · O-6 BAH · O-5 PCS weight allowance
How much BAH does an O-5 get in 2026? It depends on the duty station. Across 299 military housing areas, an O-5 with dependents receives between $1,827 (Youngstown, OH) and $8,064 (Westchester County, NY) per month; the median is $3,099. Without dependents the median is $2,520.
Is BAH for an O-5 taxed? No. BAH is a tax-free allowance. It is paid monthly with your regular pay, based on the ZIP code of your duty station — not where you choose to live.
What decides the with-dependents rate? Having at least one dependent — a spouse or child, for example. The number of dependents does not change the amount.
Not listed: 39 rural county cost groups, which the DoD prices as groups of counties rather than named areas. Look them up by ZIP code in the calculator.
Source: 2026 BAH rates published by the Defense Travel Management Office (DoD). Rates are set per military housing area and paid by the ZIP code of your duty station. BaseNeed is not affiliated with the Department of Defense.
