St. Louis, MO BAH Rates
2026 Basic Allowance for Housing rates for St. Louis, Missouri (MHA: MO161).
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 (Private/Seaman Recruit) | $2,268 | $1,701 |
| E-2 (Private/Seaman Apprentice) | $2,268 | $1,701 |
| E-3 (PFC/Seaman) | $2,268 | $1,701 |
| E-4 (Specialist/Corporal) | $2,268 | $1,701 |
| E-5 (Sergeant) | $2,436 | $1,947 |
| E-6 (Staff Sergeant) | $2,655 | $2,112 |
| E-7 (Sergeant First Class) | $2,691 | $2,271 |
| E-8 (Master Sergeant) | $2,733 | $2,487 |
| E-9 (Sergeant Major) | $2,841 | $2,541 |
| W-1 (Warrant Officer) | $2,673 | $2,220 |
| W-2 (Chief Warrant Officer 2) | $2,709 | $2,484 |
| W-3 (Chief Warrant Officer 3) | $2,763 | $2,553 |
| W-4 (Chief Warrant Officer 4) | $2,871 | $2,655 |
| W-5 (Chief Warrant Officer 5) | $3,006 | $2,700 |
| O-1E (2LT/ENS w/ >4yr Enlisted) | $2,694 | $2,433 |
| O-2E (1LT/LTJG w/ >4yr Enlisted) | $2,751 | $2,529 |
| O-3E (CPT/LT w/ >4yr Enlisted) | $2,892 | $2,646 |
| O-1 (Second Lieutenant/Ensign) | $2,472 | $2,094 |
| O-2 (First Lieutenant/LTJG) | $2,652 | $2,385 |
| O-3 (Captain/Lieutenant) | $2,760 | $2,571 |
| O-4 (Major/LCDR) | $3,048 | $2,685 |
| O-5 (Lieutenant Colonel/CDR) | $3,261 | $2,703 |
| O-6 (Colonel/Captain) | $3,285 | $2,739 |
| O-7 (Brigadier General/RDML) | $3,309 | $2,784 |
St. Louis, MO — BAH Rate Snapshot
2026 monthly BAH rates with dependents across key pay grades. Rates range from $2,268 to $3,261 — a $993 spread.
Highlighted bars show commonly referenced pay grades (E-5, O-3). All rates are 2026 DoD BAH figures for St. Louis, MO.
BAH Rate History (Estimated)
BAH Rate History — E-5 in St. Louis, MO
With Dependents • 2022–2026 (+$834 / +52.1%)
* Rates sourced from official DoD BAH rate publications for each year.
St. Louis vs. Nearby MO Duty Stations
E-5 with dependents BAH comparison. St. Louis has the highest rate among compared stations.
About BAH in St. Louis, MO
The 2026 Basic Allowance for Housing rate for St. Louis, Missouri reflects the local cost of rental housing in the MO161 Military Housing Area. BAH rates are determined by surveying rental costs for various housing profiles in the area.
For an E-5 with dependents stationed in St. Louis, the monthly BAH rate is $2,436, which comes to $29,232 per year. Without dependents, the same pay grade receives $1,947 per month.
BAH Rates by Rank in St. Louis
View St. Louis BAH rates broken down by specific pay grade: E-5 BAH rates, E-6 BAH rates, E-7 BAH rates, O-3 BAH rates, or browse all pay grades.
Using BAH Toward a VA Home Loan
Many service members in St. Louis use their BAH to cover mortgage payments on a VA home loan. Use our BAH affordability tool to see what you can afford. Since BAH is non-taxable, it can stretch further than equivalent taxable income when qualifying for a mortgage.
Related Resources
- Historical BAH rates — See how St. Louis rates changed from 2022 to 2026
- Compare BAH rates — Compare St. Louis with another duty station
- All Missouri duty stations