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

    W-1 with dependents at Fort Campbell draws $2,121 per month in 2026

    Permalinkbahratedesk.com/fort-campbell/w-1/with/ExcelCSVDownloads cover this station.
    Fort Campbell, KY
    W-1 · with dependents
    $2,121/ month
    $25,452 / year
    At W-1, this is #224 of 338 stations loaded · high San Francisco $5,472 · low Youngstown $1,350
    MHA KY106 · ZIPs 37010 37015 37023 37028 37032 37035 +33 more
    Your grade is calledARMYWO1USMCWONAVYWO1
    Untaxed — matching it with taxable pay takes$2,719 / mo gross
    Other dependency status here$1,731 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Fort Campbell — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,743$1,470
    E-2$1,743$1,470
    E-3$1,743$1,470
    E-4$1,743$1,470
    E-5$1,815$1,593
    E-6$2,100$1,671
    E-7$2,244$1,743
    E-8$2,400$1,878
    E-9$2,580$1,956
    Warrant officer
    W-1$2,121$1,731
    W-2$2,307$1,875
    W-3$2,499$1,968
    W-4$2,610$2,130
    W-5$2,751$2,277
    Officer — prior enlisted
    O-1E$2,271$1,812
    O-2E$2,472$1,938
    O-3E$2,634$2,091
    Officer
    O-1$1,857$1,668
    O-2$2,097$1,794
    O-3$2,496$1,995
    O-4$2,793$2,250
    O-5$3,006$2,334
    O-6$3,030$2,478
    O-7$3,048$2,520
    PCS compareFort Campbell · W-1 · $2,121/mo
    Aberdeen Proving Grounds$2,760/mo · $33,120/yr
    ▲ RAISE+$639+$7,668/yr · like +$9,831 of salary

    What this rate means

    W-1 with dependents, every station0 – $5,472 / month
    San Francisco$5,472
    Westchester County$5,400
    Nantucket$5,148
    New York City$5,100
    Northern New Jersey$5,070
    Santa Clara County$4,998
    Boston$4,827
    Maui County$4,797
    Long Island$4,791
    Martha's Vineyard$4,617
    Hanscom AFB$4,497
    San Diego$4,425
    Camp Pendleton$4,419
    Kauai County$4,287
    Staten Island$4,236
    Los Angeles$4,209
    West Point$4,140
    Oakland$4,134
    Fort Monmouth$4,101
    Perth Amboy$4,092
    Florida Keys$4,074
    Ventura$4,029
    Cape Cod-Plymouth$4,014
    Trenton$3,996
    San Luis Obispo$3,969
    Honolulu County$3,930
    Seattle$3,927
    Monterey$3,894
    Hawaii County$3,855
    Marin$3,840
    Miami$3,813
    Washington$3,780
    Essex CO$3,765
    Burlington$3,762
    New Haven$3,744
    Chicago$3,720
    Portsmouth$3,717
    Vandenberg SFB$3,660
    West Palm Beach$3,624
    Portland$3,597
    Riverside$3,564
    Manchester$3,546
    County Cost Group 890$3,540
    Vallejo$3,513
    Fitchburg$3,492
    Providence$3,477
    Newport$3,474
    JB McGuire-Dix-Lakehurst$3,465
    Santa Fe$3,435
    Willow Grove$3,420
    Worcester$3,411
    San Bernardino$3,396
    Warrenton$3,396
    Indian Head Navordsta$3,393
    Juneau$3,375
    Boulder$3,363
    Hartford$3,351
    Atlantic City$3,312
    Fort G. G. Meade$3,297
    Everett$3,264
    Annapolis$3,246
    Sitka$3,231
    County Cost Group 880$3,222
    Quantico$3,192
    Edwards AFB$3,177
    Beale AFB$3,147
    Ann Arbor$3,099
    Cape May$3,093
    New London$3,093
    Denver$3,081
    Fort Detrick$3,081
    Tampa$3,063
    County Cost Group 870$3,018
    Philadelphia$2,997
    Sacramento$2,994
    Orlando$2,979
    Outer Banks$2,964
    Stockton$2,955
    JB Lewis-McChord$2,940
    Fort Myers Beach$2,937
    Baltimore$2,922
    Madison$2,910
    Patrick SFB$2,904
    JB Elmendorf-Richardson$2,895
    Ketchikan$2,889
    Kodiak Island$2,886
    Ballston Spa$2,880
    Port Angeles$2,880
    Hampden County$2,874
    Allentown$2,862
    County Cost Group 860$2,847
    Fresno$2,847
    Fort Pierce$2,844
    Abilene$2,841
    Oxford$2,835
    Beaufort$2,832
    Austin$2,826
    Bridgeport$2,826
    Dallas$2,826
    Traverse City$2,823
    Astoria$2,817
    Minneapolis$2,796
    Great Lakes Navtracen$2,778
    Portland$2,772
    Whidbey Island$2,766
    County Cost Group 850$2,763
    Aberdeen Proving Grounds$2,760
    Rome$2,760
    Bremerton$2,751
    Charlottesville$2,733
    Corvallis$2,733
    Dahlgren$2,733
    Atlanta$2,727
    Coastal Maine$2,718
    Milwaukee$2,715
    Reno$2,697
    Nashville$2,694
    County Cost Group 840$2,673
    St. Louis$2,673
    Knoxville$2,670
    Savannah$2,670
    Richmond$2,646
    Charleston$2,634
    Pittsburgh$2,625
    Detroit$2,601
    County Cost Group 830$2,598
    Asheville$2,589
    Brunswick$2,583
    Elizabeth City$2,577
    Norfolk$2,574
    Spokane$2,574
    Buffalo$2,571
    Twenty Nine Palms MCB$2,571
    Patuxent River$2,562
    Helena$2,556
    Fort Collins$2,550
    Birmingham$2,547
    Cincinnati$2,544
    Eglin AFB$2,544
    Houston$2,535
    Rochester$2,535
    Dahlonega$2,532
    Wilmington$2,523
    Dover AFB$2,511
    Volusia County$2,511
    County Cost Group 820$2,508
    Eugene$2,499
    Grand Haven$2,499
    Phoenix$2,472
    Panama City$2,460
    Fairbanks$2,457
    Charlotte$2,454
    Fort Stewart$2,454
    Barstow$2,451
    Fort Carson$2,448
    Fort Worth$2,442
    Cleveland$2,439
    Hampton$2,436
    Grand Rapids$2,421
    Chattanooga$2,418
    Salem$2,418
    College Station$2,412
    Durham$2,409
    County Cost Group 810$2,406
    Ocala$2,406
    Syracuse$2,406
    Yakima$2,403
    Carlisle Barracks$2,394
    New Orleans$2,394
    Omaha$2,394
    Battle Creek$2,391
    Myrtle Beach$2,379
    Salt Lake City$2,376
    Gainesville$2,373
    Fargo$2,358
    Duluth$2,352
    Albuquerque$2,343
    Humboldt County$2,343
    Raleigh$2,337
    Memphis$2,334
    Eastern Shore$2,331
    County Cost Group 800$2,301
    Boise$2,295
    State College$2,295
    Lemoore NAS$2,292
    Louisville$2,292
    Eastern Panhandle$2,271
    Columbus$2,259
    Rock Island$2,259
    Jacksonville$2,256
    Pensacola$2,253
    Ogden$2,244
    Provo$2,244
    Cheyenne$2,238
    Coos Bay$2,238
    Corpus Christi$2,238
    County Cost Group 790$2,229
    Des Moines$2,229
    Indianapolis$2,229
    Rapid City$2,229
    Bismarck$2,223
    Nellis AFB$2,223
    Fort Huachuca$2,214
    Baton Rouge$2,211
    Mountain Home AFB$2,208
    Kansas City$2,190
    Jackson$2,181
    Toledo$2,181
    Fort Gordon$2,175
    Kings Bay$2,172
    Fort Bliss$2,169
    Lexington$2,169
    El Centro$2,166
    Fort Knox$2,157
    Fort Leavenworth$2,151
    County Cost Group 780$2,148
    Fort Wayne$2,145
    Johnson City$2,145
    Columbia$2,136
    Davis-Monthan AFB$2,136
    Wichita Fls$2,133
    Lincoln$2,130
    Greensboro$2,127
    Fort Campbell$2,121
    Waco$2,118
    San Antonio (JBSA)$2,109
    Greenville$2,097
    Huntsville$2,097
    Roanoke$2,094
    Mobile$2,091
    County Cost Group 770$2,085
    Tallahassee$2,082
    Bangor$2,067
    Fort Bragg$2,067
    Morehead$2,064
    Fayetteville$2,058
    Sioux Falls$2,046
    Shreveport$2,043
    Marquette$2,025
    Grand Forks$2,022
    Columbus AFB$2,019
    Scott AFB$2,019
    Lexington$2,016
    County Cost Group 760$2,013
    Champaign$2,001
    Lansing$2,001
    Minot AFB$2,001
    Fort Benning$1,995
    Bloomington$1,971
    Seymour Johnson AFB$1,971
    Sumter$1,968
    County Cost Group 750$1,965
    Camp Lejeune$1,962
    Tulsa$1,962
    Little Rock$1,956
    Whiteman AFB$1,950
    Akron$1,947
    White Sands MR$1,944
    Beaumont$1,938
    Fort Hood$1,938
    Moody AFB$1,938
    Sault Ste Marie$1,938
    Morgantown$1,935
    County Cost Group 740$1,914
    Fort Drum$1,914
    Wilkes-Barre$1,902
    Paducah$1,896
    Robins AFB$1,893
    Holloman AFB$1,887
    Topeka$1,884
    County Cost Group 730$1,881
    Brownsville$1,878
    Peoria$1,878
    Springfield$1,878
    Oklahoma City$1,869
    Sparta$1,866
    Wright-Patterson AFB$1,866
    Lafayette$1,860
    Yuma$1,860
    County Cost Group 720$1,857
    Fort Polk$1,854
    Goodfellow AFB$1,854
    Auburn$1,851
    Springfield$1,842
    Terre Haute$1,842
    Malmstrom SFB$1,839
    County Cost Group 710$1,836
    Frankfort$1,836
    Lubbock$1,830
    County Cost Group 700$1,818
    Fallon NAS$1,809
    County Cost Group 690$1,803
    Fort Riley$1,803
    Huntington$1,797
    County Cost Group 680$1,791
    Charleston$1,785
    China Lake$1,785
    County Cost Group 670$1,782
    Montgomery$1,773
    County Cost Group 660$1,770
    Saginaw$1,767
    County Cost Group 650$1,761
    Fort Rucker$1,761
    County Cost Group 640$1,752
    County Cost Group 630$1,746
    Fort Leonard Wood$1,740
    County Cost Group 620$1,737
    County Cost Group 610$1,728
    Stevens Point$1,728
    County Cost Group 600$1,722
    Laughlin AFB$1,722
    County Cost Group 590$1,710
    Wichita$1,710
    Fort Chaffee$1,701
    Alexandria$1,698
    County Cost Group 580$1,698
    Erie$1,695
    County Cost Group 570$1,686
    County Cost Group 560$1,677
    County Cost Group 550$1,668
    St Mary And Terrebonne$1,665
    County Cost Group 540$1,659
    County Cost Group 530$1,653
    Monroe$1,650
    County Cost Group 520$1,647
    Columbia$1,644
    County Cost Group 510$1,644
    Lake Charles$1,644
    Gulfport$1,635
    Cannon AFB$1,611
    Altus AFB$1,581
    Meridian$1,563
    Albany$1,557
    Hattiesburg$1,539
    Vance AFB$1,530
    Anniston$1,509
    Fort Sill$1,509
    Youngstown$1,350

    Fort Campbell is #224 of 338. The spread between the dearest and cheapest station at this grade is $4,122 a month — $49,464 a year, untaxed.

    Every pay grade at Fort Campbell0 – $3,048 / month
    E-1$1,743
    E-2$1,743
    E-3$1,743
    E-4$1,743
    E-5$1,815
    E-6$2,100
    E-7$2,244
    E-8$2,400
    E-9$2,580
    W-1$2,121
    W-2$2,307
    W-3$2,499
    W-4$2,610
    W-5$2,751
    O-1E$2,271
    O-2E$2,472
    O-3E$2,634
    O-1$1,857
    O-2$2,097
    O-3$2,496
    O-4$2,793
    O-5$3,006
    O-6$3,030
    O-7$3,048

    Promoting to W-2 here adds $186 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 Fort Campbell to San Francisco at W-1 is worth $3,351 a month — about 18 promotions worth of housing allowance, at $186 per grade here.

    02

    Dependency status is worth 23% 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. $2,121 a month of BAH takes more than $2,121 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.