BAH Rate Calculator

    O-1 BAH Rates — O-1 (Second Lieutenant/Ensign)

    2026 Basic Allowance for Housing rates for O-1 (Second Lieutenant/Ensign) at every military duty station.

    Avg w/ Dependents

    $2,334

    Avg w/o Dependents

    $1,974

    Highest

    $5,172

    San Francisco, CA

    Lowest

    $1,218

    Youngstown, OH

    O-3E RatesAll RanksO-2 Rates
    LocationWith Dep.Without Dep.
    San Francisco, CA$5,172$4,401
    New York City, NY$5,073$5,067
    Boston, MA$4,803$3,894
    Northern New Jersey, NJ$4,791$3,801
    Santa Clara County, CA$4,704$4,053
    Westchester County, NY$4,587$3,885
    Long Island, NY$4,473$3,816
    Nantucket, MA$4,440$4,089
    Maui County, HI$4,386$3,309
    Hanscom Afb, MA$4,230$3,780
    Martha'S Vineyard, MA$4,062$3,336
    San Diego, CA$4,032$3,351
    Camp Pendleton, CA$4,023$3,285
    Florida Keys, FL$3,987$3,657
    Cape Cod-Plymouth, MA$3,942$3,465
    Los Angeles, CA$3,927$3,255
    Kauai County, HI$3,861$3,375
    Oakland, CA$3,807$3,180
    Staten Island, NY$3,798$3,360
    Honolulu County, HI$3,702$2,997
    Miami/Fort Lauderdale, FL$3,687$3,252
    Hawaii County, HI$3,630$3,297
    Fort Monmouth/Earle Nws, NJ$3,618$3,159
    Ventura, CA$3,600$3,213
    West Point, NY$3,549$3,045
    Trenton, NJ$3,531$2,952
    Monterey, CA$3,519$3,030
    Essex Co, MA$3,516$3,084
    Chicago, IL$3,477$2,907
    Perth Amboy, NJ$3,477$3,282
    West Palm Beach, FL$3,453$2,952
    Vallejo/Travis Afb, CA$3,393$2,805
    Riverside, CA$3,384$2,835
    Vandenberg Sfb, CA$3,378$2,979
    Portsmouth, NH$3,372$2,877
    Marin/Sonoma, CA$3,369$3,198
    Juneau, AK$3,366$2,526
    San Bernardino, CA$3,306$2,628
    Portland, ME$3,297$2,916
    San Luis Obispo, CA$3,291$2,853
    Indian Head Navordsta, MD$3,273$3,132
    Providence, RI$3,234$2,892
    Seattle, WA$3,231$2,814
    Manchester/Concord, NH$3,225$2,805
    Sitka, AK$3,222$2,418
    Washington, DC$3,213$3,054
    Burlington, VT$3,201$2,568
    New Haven/Fairfield, CT$3,150$2,841
    Fitchburg, MA$3,147$2,949
    Warrenton, VA$3,111$2,670
    Santa Fe/Los Alamos, NM$3,024$2,310
    Willow Grove, PA$2,997$2,523
    Beale Afb, CA$2,994$2,496
    Quantico/Woodbridge, VA$2,991$2,499
    Worcester, MA$2,982$2,652
    Annapolis, MD$2,970$2,586
    Hartford, CT$2,961$2,397
    Fort G. G. Meade, MD$2,952$2,577
    Newport, RI$2,925$2,517
    Sacramento, CA$2,922$2,292
    Jb Mcguire-Dix-Lakehurst, NJ$2,904$2,604
    Anchorage, AK$2,886$2,166
    Ketchikan, AK$2,880$2,160
    Kodiak Island, AK$2,877$2,157
    Denver, CO$2,874$2,268
    Boulder, CO$2,829$2,370
    Everett, WA$2,814$2,385
    Cape May, NJ$2,799$2,289
    Tampa, FL$2,757$2,328
    Atlantic City, NJ$2,736$2,457
    Fort Detrick, MD$2,733$2,247
    Philadelphia, PA$2,733$2,205
    Fort Myers Beach, FL$2,730$2,406
    Edwards Afb/Palmdale, CA$2,724$2,289
    Fort Pierce, FL$2,715$2,301
    Orlando, FL$2,700$2,247
    Madison, WI$2,691$2,133
    Ballston Spa/Albany, NY$2,670$2,139
    Baltimore, MD$2,652$2,205
    Outer Banks, NC$2,652$2,313
    New London, CT$2,646$2,241
    Ann Arbor, MI$2,628$2,019
    Milwaukee, WI$2,625$2,124
    Stockton, CA$2,607$2,331
    Tacoma, WA$2,607$2,178
    Minneapolis/St Paul, MN$2,577$1,953
    Patrick Sfb, FL$2,553$2,148
    Elizabeth City, NC$2,523$2,097
    Aberdeen Proving Grounds, MD$2,517$2,055
    Dallas, TX$2,517$1,968
    Oxford, MD$2,496$2,094
    Port Angeles, WA$2,493$1,869
    Fresno, CA$2,490$1,908
    Great Lakes Navtracen, IL$2,475$1,977
    St. Louis, MO$2,472$2,094
    Birmingham, AL$2,457$2,007
    Beaufort/Parris Island, SC$2,457$2,232
    Norfolk/Portsmouth, VA$2,454$2,022
    Eglin Afb, FL$2,451$2,244
    Savannah, GA$2,451$2,055
    Hampden County, MA$2,451$2,145
    Fairbanks, AK$2,448$1,881
    Allentown/Bethlehem, PA$2,436$2,142
    Atlanta, GA$2,433$2,130
    Patuxent River, MD$2,433$2,127
    Reno/Carson City, NV$2,433$1,941
    Corvallis, OR$2,433$1,884
    Portland, OR$2,430$2,004
    Charleston, SC$2,421$2,049
    Charlottesville, VA$2,421$2,142
    Bremerton, WA$2,415$2,163
    Richmond/Fort Lee, VA$2,400$1,950
    Detroit, MI$2,397$1,797
    Ocala, FL$2,382$2,037
    Colorado Springs, CO$2,376$1,959
    Fort Stewart, GA$2,334$2,037
    Pittsburgh, PA$2,328$1,848
    Cincinnati, OH$2,322$1,776
    Nashville, TN$2,322$1,953
    Phoenix, AZ$2,319$1,830
    Volusia County, FL$2,319$1,938
    Austin, TX$2,313$1,848
    Dover Afb/Rehoboth, DE$2,310$2,043
    Fort Collins, CO$2,307$1,851
    Hampton/Newport News, VA$2,301$1,884
    Asheville, NC$2,265$1,887
    Buffalo, NY$2,262$1,890
    Coastal Maine, ME$2,259$1,908
    Rochester, NY$2,259$1,695
    Brunswick, ME$2,253$2,037
    Dahlonega, GA$2,250$2,049
    Knoxville, TN$2,247$1,929
    Houston, TX$2,241$1,749
    Albuquerque/Kirtland Afb, NM$2,235$1,770
    Spokane, WA$2,235$1,707
    Eugene, OR$2,229$1,902
    Grand Haven, MI$2,223$1,824
    Charlotte, NC$2,211$1,833
    Panama City, FL$2,202$1,953
    Jacksonville, FL$2,196$1,908
    Rome/Griffiss Afb, NY$2,190$1,749
    Grand Rapids, MI$2,184$1,752
    Memphis, TN$2,181$1,824
    Bridgeport, CA$2,169$2,085
    Lemoore Nas, CA$2,166$1,743
    Salt Lake City, UT$2,166$1,752
    Fort Worth, TX$2,163$1,752
    Traverse City, MI$2,160$1,998
    Durham/Chapel Hill, NC$2,160$1,869
    Whidbey Island, WA$2,157$1,950
    Eastern Shore, MD$2,151$1,854
    Kings Bay/Brunswick, GA$2,145$1,896
    Astoria, OR$2,145$1,773
    Ogden/Hill Afb, UT$2,139$1,740
    Myrtle Beach, SC$2,136$1,875
    Raleigh, NC$2,127$1,800
    Omaha/Offutt Afb, NE$2,127$1,683
    Carlisle Barracks, PA$2,121$1,725
    Duluth, MN$2,106$1,767
    Wilmington, NC$2,100$1,818
    Syracuse, NY$2,097$1,689
    Nellis Afb/Las Vegas, NV$2,094$1,806
    Eastern Panhandle, WV$2,091$1,737
    Gainesville, FL$2,085$1,929
    Provo, UT$2,085$1,794
    Barstow/Fort Irwin, CA$2,058$1,776
    Toledo, OH$2,058$1,545
    Salem, OR$2,058$1,740
    Cleveland, OH$2,055$1,578
    Twenty Nine Palms Mcb, CA$2,052$1,809
    Chattanooga, TN$2,043$1,734
    Louisville, KY$2,031$1,626
    Rapid City/Ellsworth Afb, SD$2,022$1,614
    Kansas City, MO$2,019$1,701
    El Centro, CA$2,013$1,818
    Battle Creek/Kalamazoo, MI$2,013$1,509
    Yakima, WA$1,983$1,536
    Fort Wayne, IN$1,977$1,611
    Boise, ID$1,974$1,758
    New Orleans, LA$1,968$1,650
    Helena, MT$1,968$1,614
    Rock Island, IL$1,956$1,533
    Jackson, MS$1,956$1,716
    Greenville, SC$1,950$1,644
    Roanoke, VA$1,941$1,569
    Davis-Monthan Afb, AZ$1,938$1,482
    Fort Gordon, AL$1,929$1,728
    Columbus, OH$1,926$1,686
    Indianapolis, IN$1,923$1,617
    Bloomington, IN$1,920$1,602
    Baton Rouge, LA$1,920$1,644
    Bangor, ME$1,920$1,557
    Mobile, AL$1,917$1,572
    Lexington, KY$1,917$1,545
    Pensacola, FL$1,914$1,719
    Columbia/Fort Jackson, SC$1,914$1,743
    San Antonio, TX$1,905$1,584
    Humboldt County, CA$1,893$1,698
    Morehead/Cherry Pt Mcas, NC$1,884$1,755
    Shreveport/Barksdale Afb, LA$1,875$1,551
    Little Rock, AR$1,869$1,665
    Tallahassee, FL$1,860$1,731
    Fort Leavenworth, KS$1,860$1,659
    Fort Campbell, KY$1,857$1,668
    El Paso, TX$1,857$1,518
    State College, PA$1,854$1,515
    Marquette, MI$1,851$1,428
    Greensboro, NC$1,851$1,551
    Corpus Christi, TX$1,845$1,494
    Fort Bragg/Pope, NC$1,842$1,635
    Huntsville, AL$1,839$1,536
    Coos Bay, OR$1,839$1,488
    Lansing, MI$1,836$1,410
    College Station, TX$1,836$1,563
    Lincoln, NE$1,833$1,494
    Des Moines, IA$1,830$1,413
    Fayetteville, AR$1,821$1,536
    Robins Afb, GA$1,818$1,581
    Waco, TX$1,803$1,473
    Fargo, ND$1,785$1,338
    Fort Huachuca, AZ$1,782$1,413
    Grand Forks, ND$1,770$1,329
    Wilkes-Barre/Scranton, PA$1,767$1,611
    Fort Benning, GA$1,755$1,554
    White Sands Mr/Las Cruces, NM$1,737$1,302
    Auburn, AL$1,731$1,521
    Fort Hood, TX$1,731$1,623
    Cheyenne, WY$1,725$1,422
    Yuma, AZ$1,722$1,401
    Fort Knox, KY$1,710$1,503
    Montgomery, AL$1,701$1,524
    Fort Drum/Watertown, NY$1,701$1,470
    Wright-Patterson Afb, OH$1,683$1,413
    Tulsa, OK$1,683$1,443
    Morgantown, WV$1,683$1,263
    Mountain Home Afb, ID$1,680$1,527
    Oklahoma City, OK$1,677$1,434
    Bismarck, ND$1,674$1,398
    Topeka, KS$1,662$1,377
    Whiteman Afb, MO$1,656$1,281
    Malmstrom Sfb/Great Falls, MT$1,641$1,467
    St Mary And Terrebonne, LA$1,635$1,431
    Camp Lejeune, NC$1,635$1,566
    Abilene/Dyess Afb, TX$1,635$1,362
    Holloman Afb/Alamogordo, NM$1,632$1,245
    Fallon Nas, NV$1,629$1,554
    Akron, OH$1,629$1,491
    Lafayette, LA$1,623$1,311
    Johnson City/Kingsport, TN$1,623$1,380
    Sioux Falls, SD$1,617$1,296
    Goodfellow Afb, TX$1,617$1,332
    Peoria, IL$1,614$1,434
    Gulfport, MS$1,614$1,410
    Minot Afb, ND$1,605$1,302
    Fort Rucker, AL$1,602$1,305
    Scott Afb, IL$1,602$1,527
    Champaign/Urbana, IL$1,599$1,392
    China Lake, CA$1,596$1,482
    Lexington, VA$1,596$1,335
    Sault Ste Marie, MI$1,590$1,230
    Moody Afb, GA$1,578$1,476
    Seymour Johnson Afb, NC$1,578$1,476
    Springfield/Decatur, IL$1,572$1,182
    Beaumont, TX$1,572$1,455
    Wichita Fls/Sheppard Afb, TX$1,572$1,290
    Huntington, WV$1,569$1,269
    Sumter/Shaw Afb, SC$1,563$1,374
    Brownsville, TX$1,551$1,323
    Terre Haute, IN$1,542$1,302
    Saginaw, MI$1,542$1,158
    Lubbock, TX$1,524$1,350
    Fort Leonard Wood, MO$1,515$1,293
    Laughlin Afb/Del Rio, TX$1,506$1,269
    Erie, PA$1,500$1,434
    Columbus Afb, MS$1,476$1,203
    Frankfort, KY$1,464$1,164
    Sparta/Fort Mccoy, WI$1,455$1,362
    Springfield, MO$1,452$1,194
    Charleston, WV$1,452$1,209
    Paducah, KY$1,434$1,215
    Wichita/Mcconnell Afb, KS$1,422$1,263
    Hattiesburg, MS$1,419$1,233
    Columbia/Jefferson City, MO$1,413$1,191
    Albany, GA$1,401$1,281
    Cannon Afb/Clovis, NM$1,401$1,152
    Lake Charles, LA$1,398$1,215
    Stevens Point, WI$1,389$1,236
    Fort Riley, KS$1,377$1,227
    Alexandria, LA$1,344$1,212
    Meridian, MS$1,329$1,092
    Fort Chaffee/Fort Smith, AR$1,320$1,077
    Altus Afb, OK$1,299$1,086
    Fort Polk, LA$1,296$1,191
    Fort Sill/Lawton, OK$1,272$1,167
    Monroe, LA$1,251$1,089
    Vance Afb/Enid, OK$1,245$1,107
    Anniston/Fort Mcclellan, AL$1,230$1,161
    Youngstown, OH$1,218$1,074

    About O-1 BAH Rates

    The 2026 BAH rate for O-1 (Second Lieutenant/Ensign) varies from $1,218/mo in Youngstown, OH to $5,172/mo in San Francisco, CA (with dependents).

    The national average BAH for O-1 is $2,334/mo with dependents and $1,974/mo without dependents. Use our BAH calculator to find your exact rate based on duty station.

    Explore Related Information