What is O-7 BAH at JB Lewis-McChord in 2026?

$3,525 per month with dependents ($42,300 per year), effective 01 JAN 2026. without dependents it is $3,156 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-7 BAH at JB Lewis-McChord 2026 — $3,525/mo with dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Tacoma, WA

O-7 · with dependents

$3,525/ month

$42,300 / year

At O-7, this is #5 of 17 stations loaded · high San Diego $5,586 · low Fort Riley $2,352

MHA code pending — loads with the DTMO ZIP file

Your grade is calledARMYBGUSMCBGenNAVYRDMLUSAFBrig Gen

Untaxed — matching it with taxable pay takes$4,519 / mo gross

Other dependency status here$3,156 without dependents

In government quarters, no dependents$50.10 / mo partial

JB Lewis-McChord — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,370	$2,034
E-2	$2,370	$2,034
E-3	$2,370	$2,034
E-4	$2,370	$2,034
E-5	$2,556	$2,121
E-6	$2,919	$2,199
E-7	$2,994	$2,376
E-8	$3,072	$2,634
E-9	$3,180	$2,736
Warrant officer
W-1	$2,940	$2,313
W-2	$3,024	$2,631
W-3	$3,126	$2,751
W-4	$3,201	$2,931
W-5	$3,297	$3,009
Officer — prior enlisted
O-1E	$3,006	$2,553
O-2E	$3,108	$2,712
O-3E	$3,216	$2,913
Officer
O-1	$2,607	$2,178
O-2	$2,916	$2,496
O-3	$3,123	$2,784
O-4	$3,324	$2,991
O-5	$3,471	$3,030
O-6	$3,501	$3,102
O-7	$3,525	$3,156

What this rate means

O-7 with dependents, every station0 – $5,586 / month

San Diego$5,586

Camp Pendleton$5,484

Honolulu County$5,040

JB Elmendorf-Richardson$4,161

JB Lewis-McChord$3,525

Norfolk$3,366

Fort Stewart$3,174

Fort Campbell$3,048

Fort Carson$2,955

Fort Drum$2,823

Fort Hood$2,787

Fort Bragg$2,646

Camp Lejeune$2,586

Fort Benning$2,502

Fort Bliss$2,496

San Antonio (JBSA)$2,490

Fort Riley$2,352

JB Lewis-McChord is #5 of 17. The spread between the dearest and cheapest station at this grade is $3,234 a month — $38,808 a year, untaxed.

Every pay grade at JB Lewis-McChord0 – $3,525 / month

E-1$2,370

E-2$2,370

E-3$2,370

E-4$2,370

E-5$2,556

E-6$2,919

E-7$2,994

E-8$3,072

E-9$3,180

W-1$2,940

W-2$3,024

W-3$3,126

W-4$3,201

W-5$3,297

O-1E$3,006

O-2E$3,108

O-3E$3,216

O-1$2,607

O-2$2,916

O-3$3,123

O-4$3,324

O-5$3,471

O-6$3,501

O-7$3,525

Rates flatten out at the top of each track, which is why the sheet stops at O-7.

Dependency status is worth 12% 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.

None of it is taxed. $3,525 a month of BAH takes more than $3,525 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-7 with dependents at JB Lewis-McChord draws $3,525 per month in 2026

What this rate means

Things the rate table doesn't tell you