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O-7 BAH Rates 2026 by Location
Monthly Basic Allowance for Housing for an O-7 in all 299 military housing areas — official DoD rates for 2026.
Median, with dependents
$3,144
Median, without dependents
$2,625
Range, with dependents
$1,845 – $8,208
Highest O-7 BAH
Housing area With dependents Without dependents Westchester County, NY $8,208 $6,759 New York City, NY $7,254 $5,616 San Francisco, CA $7,215 $5,634 Nantucket, MA $7,053 $5,523 Boston, MA $6,594 $5,241 Maui County, HI $6,489 $5,667 Santa Clara County, CA $6,441 $5,274 Florida Keys, FL $6,321 $4,953 Hanscom AFB, MA $6,192 $4,839 Northern New Jersey, NJ $6,093 $5,163
Lowest O-7 BAH
Housing area With dependents Without dependents Youngstown, OH $1,845 $1,779 Cannon AFB/Clovis, NM $1,968 $1,887 Stevens Point, WI $2,022 $1,722 Saginaw, MI $2,031 $1,848 Monroe, LA $2,064 $1,734 Anniston/Fort Mcclellan, AL $2,142 $1,692 Huntington, WV $2,217 $1,923 Frankfort, KY $2,226 $2,151 Fort Leonard Wood, MO $2,250 $2,043 Sparta/Fort Mccoy, WI $2,250 $1,932
Look up BAH by ZIP code →
All 299 housing areas, O-7
Housing area With dependents Without dependents Aberdeen Proving Grounds, MD $3,687 $3,108 Abilene/Dyess AFB, TX $3,282 $2,859 Akron, OH $2,751 $2,064 Albany, GA $2,568 $1,926 Albuquerque/Kirtland AFB, NM $2,910 $2,415 Alexandria, LA $2,529 $1,962 Allentown/Bethlehem, PA $3,516 $2,883 Altus AFB, OK $2,373 $1,845 Anchorage, AK $4,161 $3,405 Ann Arbor, MI $4,191 $3,396 Annapolis, MD $4,164 $3,477 Anniston/Fort Mcclellan, AL $2,142 $1,692 Asheville, NC $3,780 $2,865 Astoria, OR $3,729 $3,252 Atlanta, GA $3,006 $2,742 Atlantic City, NJ $4,365 $3,669 Auburn, AL $2,976 $2,439 Austin, TX $4,161 $3,495 Ballston Spa/Albany, NY $3,834 $3,276 Baltimore, MD $3,768 $3,192 Bangor, ME $2,853 $2,544 Barstow/Fort Irwin, CA $3,189 $2,778 Baton Rouge, LA $2,787 $2,217 Battle Creek/Kalamazoo, MI $3,015 $2,535 Beale AFB, CA $3,546 $3,171 Beaufort/Parris Island, SC $3,489 $2,883 Beaumont, TX $2,589 $1,941 Birmingham, AL $2,865 $2,556 Bismarck, ND $2,409 $2,388 Bloomington, IN $3,273 $2,496 Boise, ID $2,802 $2,388 Boston, MA $6,594 $5,241 Boulder, CO $4,287 $3,759 Bremerton, WA $3,462 $3,078 Bridgeport, CA $3,579 $3,048 Brownsville, TX $2,757 $2,187 Brunswick, ME $3,957 $3,828 Buffalo, NY $3,372 $2,802 Burlington, VT $4,935 $4,263 Camp Lejeune, NC $2,586 $2,097 Camp Pendleton, CA $5,484 $4,725 Cannon AFB/Clovis, NM $1,968 $1,887 Cape Cod-Plymouth, MA $5,283 $4,485 Cape May, NJ $4,032 $3,222 Carlisle Barracks, PA $3,114 $2,580 Champaign/Urbana, IL $2,859 $2,145 Charleston, SC $3,081 $2,742 Charleston, WV $2,496 $1,872 Charlotte, NC $2,610 $2,466 Charlottesville, VA $3,594 $3,081 Chattanooga, TN $3,249 $2,541 Cheyenne, WY $2,955 $2,463 Chicago, IL $4,152 $3,756 China Lake, CA $2,694 $2,172 Cincinnati, OH $3,105 $2,625 Cleveland, OH $3,267 $2,451 Coastal Maine, ME $3,228 $2,898 College Station, TX $3,567 $2,712 Colorado Springs, CO $2,955 $2,616 Columbia/Fort Jackson, SC $2,760 $2,247 Columbia/Jefferson City, MO $2,619 $2,139 Columbus AFB, MS $2,526 $2,196 Columbus, OH $2,991 $2,604 Coos Bay, OR $3,162 $2,730 Corpus Christi, TX $3,006 $2,496 Corvallis, OR $3,828 $2,892 Dahlgren/Fort A.p. Hill $3,588 $2,871 Dahlonega, GA $2,934 $2,544 Dallas, TX $3,237 $2,871 Davis-Monthan AFB, AZ $2,583 $2,211 Denver, CO $3,642 $3,240 Des Moines, IA $2,943 $2,454 Detroit, MI $3,609 $2,805 Dover AFB/Rehoboth, DE $3,123 $3,090 Duluth, MN $2,847 $2,376 Durham/Chapel Hill, NC $3,279 $2,538 Eastern Panhandle, WV $3,072 $2,499 Eastern Shore, MD $2,859 $2,424 Edwards AFB/Palmdale, CA $3,900 $3,297 Eglin AFB, FL $3,669 $3,453 El Centro, CA $3,018 $2,697 El Paso, TX $2,496 $2,214 Elizabeth City, NC $3,312 $2,688 Erie, PA $2,253 $1,881 Essex Co, MA $5,952 $4,605 Eugene, OR $3,375 $2,793 Everett, WA $3,999 $3,612 Fairbanks, AK $3,456 $2,973 Fallon NAS, NV $2,661 $2,343 Fargo, ND $2,946 $2,532 Fayetteville, AR $2,886 $2,376 Fitchburg, MA $5,049 $4,119 Florida Keys, FL $6,321 $4,953 Fort Benning, GA $2,502 $2,067 Fort Bragg/Pope, NC $2,646 $2,190 Fort Campbell, KY $3,048 $2,520 Fort Chaffee/Fort Smith, AR $2,400 $1,974 Fort Collins, CO $3,210 $2,835 Fort Detrick, MD $3,864 $3,291 Fort Drum/Watertown, NY $2,823 $2,496 Fort G. G. Meade, MD $4,077 $3,450 Fort Gordon, AL $2,826 $2,262 Fort Hood, TX $2,787 $2,361 Fort Huachuca, AZ $2,511 $2,220 Fort Knox, KY $2,985 $2,442 Fort Leavenworth, KS $2,625 $2,415 Fort Leonard Wood, MO $2,250 $2,043 Fort Monmouth/Earle Nws, NJ $5,067 $4,392 Fort Myers Beach, FL $3,555 $3,165 Fort Pierce, FL $3,702 $3,111 Fort Polk, LA $2,289 $1,947 Fort Riley, KS $2,352 $1,965 Fort Rucker, AL $2,778 $2,283 Fort Sill/Lawton, OK $2,298 $1,767 Fort Stewart, GA $3,174 $2,619 Fort Wayne, IN $2,763 $2,220 Fort Worth, TX $2,832 $2,451 Frankfort, KY $2,226 $2,151 Fresno, CA $3,465 $2,967 Gainesville, FL $3,324 $2,724 Goodfellow AFB, TX $2,448 $2,214 Grand Forks, ND $2,718 $2,214 Grand Haven, MI $2,955 $2,574 Grand Rapids, MI $2,988 $2,454 Great Lakes Navtracen, IL $3,702 $3,051 Greensboro, NC $2,664 $2,274 Greenville, SC $2,685 $2,220 Gulfport, MS $2,658 $2,058 Hampden County, MA $4,038 $3,474 Hampton/Newport News, VA $3,144 $2,493 Hanscom AFB, MA $6,192 $4,839 Hartford, CT $4,467 $3,810 Hattiesburg, MS $2,400 $1,878 Hawaii County, HI $4,332 $3,993 Helena, MT $3,279 $2,802 Holloman AFB/Alamogordo, NM $2,406 $1,911 Honolulu County, HI $5,040 $4,494 Houston, TX $3,336 $2,724 Humboldt County, CA $3,336 $2,871 Huntington, WV $2,217 $1,923 Huntsville, AL $2,640 $2,241 Indian Head Navordsta, MD $4,344 $3,714 Indianapolis, IN $2,592 $2,322 Jackson, MS $3,129 $2,526 Jacksonville, FL $2,775 $2,382 JB Mcguire-Dix-Lakehurst, NJ $4,188 $3,594 Johnson City/Kingsport, TN $2,937 $2,364 Juneau, AK $4,140 $3,636 Kansas City, MO $2,889 $2,328 Kauai County, HI $5,991 $4,731 Ketchikan, AK $4,065 $3,372 Kings Bay/Brunswick, GA $2,955 $2,439 Knoxville, TN $3,543 $2,934 Kodiak Island, AK $3,891 $3,213 Lafayette, LA $2,517 $2,052 Lake Charles, LA $2,502 $1,992 Lansing, MI $2,859 $2,145 Laughlin AFB/Del Rio, TX $2,859 $2,145 Lemoore NAS, CA $2,874 $2,469 Lexington, KY $2,880 $2,217 Lexington, VA $2,670 $2,142 Lincoln, NE $2,703 $2,295 Little Rock, AR $2,634 $1,977 Long Island, NY $5,922 $5,136 Los Angeles, CA $5,526 $4,590 Louisville, KY $3,015 $2,412 Lubbock, TX $2,637 $1,995 Madison, WI $4,056 $3,474 Malmstrom Sfb/Great Falls, MT $2,760 $2,289 Manchester/Concord, NH $4,782 $4,299 Marin/Sonoma, CA $4,944 $4,203 Marquette, MI $2,850 $2,409 Martha's Vineyard, MA $5,742 $5,103 Maui County, HI $6,489 $5,667 Memphis, TN $2,679 $2,343 Meridian, MS $2,412 $1,968 Miami/Fort Lauderdale, FL $5,862 $4,506 Milwaukee, WI $3,888 $3,231 Minneapolis/St Paul, MN $3,435 $2,937 Minot AFB, ND $2,541 $2,190 Mobile, AL $2,766 $2,217 Monroe, LA $2,064 $1,734 Monterey, CA $5,658 $4,908 Montgomery, AL $2,598 $1,950 Moody AFB, GA $2,622 $2,013 Morehead/Cherry Pt MCAS, NC $2,940 $2,445 Morgantown, WV $2,646 $2,043 Mountain Home AFB, ID $2,943 $2,343 Myrtle Beach, SC $3,027 $2,544 Nantucket, MA $7,053 $5,523 Nashville, TN $3,264 $2,808 Nellis AFB/Las Vegas, NV $2,814 $2,400 New Haven/Fairfield, CT $4,665 $3,888 New London, CT $3,966 $3,345 New Orleans, LA $3,105 $2,574 New York City, NY $7,254 $5,616 Newport, RI $4,743 $4,200 Norfolk/Portsmouth, VA $3,366 $2,718 Northern New Jersey, NJ $6,093 $5,163 Oakland, CA $5,220 $4,419 Ocala, FL $2,961 $2,457 Ogden/Hill AFB, UT $2,751 $2,376 Oklahoma City, OK $2,367 $1,986 Omaha/Offutt AFB, NE $3,279 $2,625 Orlando, FL $3,303 $3,000 Outer Banks, NC $3,753 $3,120 Oxford, MD $3,720 $3,015 Paducah, KY $2,730 $2,049 Panama City, FL $3,105 $2,736 Patrick Sfb, FL $3,315 $2,922 Patuxent River, MD $3,348 $2,796 Pensacola, FL $2,646 $2,259 Peoria, IL $2,493 $2,052 Perth Amboy, NJ $5,007 $4,296 Philadelphia, PA/Camden, NJ $3,816 $3,018 Phoenix, AZ $2,814 $2,487 Pittsburgh, PA $3,459 $2,637 Port Angeles, WA $3,489 $3,114 Portland, ME $5,322 $4,329 Portland, OR $3,759 $3,063 Portsmouth, NH/Kittery, ME $5,445 $4,536 Providence, RI $4,608 $4,068 Provo, UT $2,943 $2,553 Quantico/Woodbridge, VA $4,128 $3,363 Raleigh, NC $2,775 $2,409 Rapid City/Ellsworth AFB, SD $2,889 $2,496 Reno/Carson City, NV $3,408 $2,823 Richmond/Fort Lee, VA $3,276 $2,784 Riverside, CA $4,065 $3,747 Roanoke, VA $2,826 $2,319 Robins AFB, GA $2,745 $2,217 Rochester, NY $3,270 $2,784 Rock Island, IL $2,910 $2,313 Rome/Griffiss AFB, NY $3,291 $2,907 Sacramento, CA $3,576 $3,069 Saginaw, MI $2,031 $1,848 Salem, OR $3,276 $2,736 Salt Lake City, UT $3,141 $2,772 San Antonio, TX $2,490 $2,112 San Bernardino, CA $3,855 $3,438 San Diego, CA $5,586 $4,575 San Francisco, CA $7,215 $5,634 San Luis Obispo, CA $5,520 $4,272 Santa Clara County, CA $6,441 $5,274 Santa Fe/Los Alamos, NM $4,086 $3,756 Sault Ste Marie, MI $2,628 $1,971 Savannah, GA $3,297 $2,769 Scott AFB, IL $2,970 $2,229 Seattle, WA $4,875 $4,275 Seymour Johnson AFB, NC $2,685 $2,244 Shreveport/Barksdale AFB, LA $2,817 $2,283 Sioux Falls, SD $2,544 $2,118 Sitka, AK $3,825 $3,504 Sparta/Fort Mccoy, WI $2,250 $1,932 Spokane, WA $3,243 $2,874 Springfield, MO $2,685 $2,013 Springfield/Decatur, IL $2,442 $2,013 St Mary And Terrebonne, LA $2,598 $2,022 St. Louis, MO $3,309 $2,784 State College, PA $3,228 $2,607 Staten Island, NY $5,484 $4,620 Stevens Point, WI $2,022 $1,722 Stockton, CA $4,110 $3,351 Sumter/Shaw AFB, SC $2,625 $2,064 Syracuse, NY $3,246 $2,844 Tacoma, WA $3,525 $3,156 Tallahassee, FL $3,144 $2,610 Tampa, FL $3,441 $3,102 Terre Haute, IN $2,691 $2,019 Toledo, OH $2,850 $2,196 Topeka, KS $2,655 $2,076 Traverse City, MI $3,441 $3,102 Trenton, NJ $5,424 $4,422 Tulsa, OK $2,805 $2,121 Twenty Nine Palms MCB, CA $3,342 $2,841 Vallejo/Travis AFB, CA $3,987 $3,576 Vance AFB/Enid, OK $2,445 $1,833 Vandenberg Sfb, CA $4,425 $3,828 Ventura, CA $4,866 $4,269 Volusia County, FL $3,012 $2,655 Waco, TX $3,138 $2,400 Warrenton, VA $4,674 $3,711 Washington, DC Metro Area $4,770 $4,071 West Palm Beach, FL $4,860 $4,029 West Point, NY $5,340 $4,440 Westchester County, NY $8,208 $6,759 Whidbey Island, WA $3,453 $3,144 White Sands Mr/Las Cruces, NM $2,388 $2,094 Whiteman AFB, MO $2,751 $2,262 Wichita Fls/Sheppard AFB, TX $2,997 $2,343 Wichita/Mcconnell AFB, KS $2,478 $1,950 Wilkes-Barre/Scranton, PA $2,712 $2,097 Willow Grove, PA $3,999 $3,447 Wilmington, NC $3,351 $2,652 Worcester, MA $4,761 $3,804 Wright-Patterson AFB, OH $2,742 $2,112 Yakima, WA $3,291 $2,730 Youngstown, OH $1,845 $1,779 Yuma, AZ $2,487 $2,061
Other grades: O-6 BAH · O-8 BAH · O-7 PCS weight allowance
How much BAH does an O-7 get in 2026? It depends on the duty station. Across 299 military housing areas, an O-7 with dependents receives between $1,845 (Youngstown, OH) and $8,208 (Westchester County, NY) per month; the median is $3,144. Without dependents the median is $2,625.
Is BAH for an O-7 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.
