United States · BAH 2026 · Ohio
Cincinnati, OH BAH rates 2026
In Cincinnati, OH, 2026 BAH runs from $1,524 a month (E-1 without dependents) to $3,105 (O-7 and above with dependents). An E-5 with dependents gets $2,283 a month, not taxed.
Cincinnati, OH · E-5 · with dependents
$2,283 a month
$27,396 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,031 | $1,524 |
| E-2 | $2,031 | $1,524 |
| E-3 | $2,031 | $1,524 |
| E-4 | $2,031 | $1,524 |
| E-5 | $2,283 | $1,713 |
| E-6 | $2,526 | $1,893 |
| E-7 | $2,553 | $2,040 |
| E-8 | $2,583 | $2,337 |
| E-9 | $2,676 | $2,400 |
| W-1 | $2,544 | $1,953 |
| W-2 | $2,565 | $2,334 |
| W-3 | $2,607 | $2,412 |
| W-4 | $2,703 | $2,523 |
| W-5 | $2,829 | $2,559 |
| O-1E | $2,556 | $2,280 |
| O-2E | $2,595 | $2,385 |
| O-3E | $2,724 | $2,517 |
| O-1 | $2,322 | $1,776 |
| O-2 | $2,523 | $2,202 |
| O-3 | $2,604 | $2,433 |
| O-4 | $2,868 | $2,544 |
| O-5 | $3,060 | $2,562 |
| O-6 | $3,084 | $2,583 |
| O-7 and above | $3,105 | $2,625 |
What is take-home pay with BAH in Cincinnati, OH?
Monthly pay for four people stationed here in 2026. BAH and BAS are not taxed; federal income tax, Social Security and Medicare come off basic pay. These assume Ohio is your state of legal residence. Ohio taxes a resident’s military pay while stationed in the state, so state tax comes off basic pay here.
| E-4, over 3 years, no dependents (single) | E-4, over 3 years, with dependents (married) | O-3, over 4 years, no dependents (single) | O-3, over 4 years, with dependents (married) | |
|---|---|---|---|---|
| Basic pay | $3,482.40 | $3,482.40 | $7,382.70 | $7,382.70 |
| BAH | $1,524.00 | $2,031.00 | $2,433.00 | $2,604.00 |
| BAS | $476.95 | $476.95 | $328.48 | $328.48 |
| Federal tax, Social Security and Medicare | −$502.62 | −$346.31 | −$1,453.14 | −$1,087.37 |
| State income tax | −$58.81 | −$53.88 | −$166.64 | −$162.28 |
| Take-home a month | $4,921.92 | $5,590.16 | $8,524.40 | $9,065.53 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Cincinnati, OH?
DTMO’s 2026 list maps 100 ZIP codes to this housing area (OH228). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 100 ZIP codes
450xx: 45001, 45002, 45003, 45004, 45011, 45012, 45013, 45014, 45015, 45018, 45030, 45033, 45041, 45042, 45044, 45050, 45051, 45052, 45053, 45055, 45056, 45061, 45062, 45063, 45064, 45067, 45069, 45071
451xx: 45111, 45174
452xx: 45201, 45202, 45203, 45204, 45205, 45206, 45207, 45208, 45209, 45211, 45212, 45213, 45214, 45215, 45216, 45217, 45218, 45219, 45220, 45221, 45222, 45223, 45224, 45225, 45226, 45227, 45229, 45230, 45231, 45232, 45233, 45234, 45235, 45236, 45237, 45238, 45239, 45240, 45241, 45242, 45243, 45244, 45246, 45247, 45248, 45249, 45250, 45251, 45252, 45253, 45254, 45255, 45258, 45262, 45263, 45264, 45267, 45268, 45269, 45270, 45271, 45273, 45274, 45275, 45277, 45280, 45296, 45298, 45299
459xx: 45999
How does Cincinnati, OH BAH compare?
For an E-5 with dependents, Cincinnati, OH pays $2,283 a month: number 126 of 338 housing areas, and $222 above the middle of all areas ($2,061). Other housing areas in Ohio:
- Akron, OH E-5 with dependents $1,581
- Cleveland, OH E-5 with dependents $1,998
- Columbus, OH E-5 with dependents $1,875
- Toledo, OH E-5 with dependents $2,031
- Wright-Patterson AFB, OH E-5 with dependents $1,650
- Youngstown, OH E-5 with dependents $1,191
Every housing area: BAH rates by location.
What does this leave out?
- BAH II, partial BAH and BAH-Differential, and rate protection (a member keeps a higher earlier rate while stationed in the same place).
- Special pays, deductions such as TSP and SGLI, and anything outside the 50 states (the Overseas Housing Allowance).
- In the take-home examples: local taxes and changes during the year.
What else can I work out?
- BAH calculator Your BAH from any ZIP code, with a second ZIP to compare for a move.
- Military pay calculator Basic pay, BAH, BAS and take-home pay for your rank, years of service, ZIP code and home state.
- Military pay chart 2026 Monthly basic pay for every grade, E-1 to O-10, at every length of service.
- Ohio minimum wage The Ohio minimum wage for 2026 and 2027, with full-time pay.
- Ohio paycheck calculator Take-home pay for a civilian job in Ohio, after federal and state tax.
Questions about BAH in Cincinnati, OH
What is E-5 BAH in Cincinnati, OH for 2026?
$2,283 a month with dependents and $1,713 without ($27,396 and $20,556 a year). That ranks 126 of the 338 housing areas for an E-5 with dependents; the middle of all areas is $2,061.
What is O-3 BAH in Cincinnati, OH?
An O-3 gets $2,604 a month with dependents and $2,433 without in 2026. A W-2 gets $2,565 and $2,334.
How much BAH does an E-1 get in Cincinnati, OH?
$2,031 a month with dependents and $1,524 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Cincinnati, OH BAH rates?
100 ZIP codes in DTMO’s 2026 list map to this housing area (OH228): 45001, 45002, 45003, 45004, 45011 and 95 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Cincinnati, OH taxed?
No: BAH and BAS are not taxable income, so tax comes off basic pay only. For example, an E-4 with over 3 years and no dependents gets $5,483.35 a month here with allowances and takes home about $4,921.92. These assume Ohio is your state of legal residence. Ohio taxes a resident’s military pay while stationed in the state, so state tax comes off basic pay here.
When will Cincinnati, OH BAH change?
The 2026 rates apply until December 31, 2026. The Defense Department normally announces the 2027 rates in mid-December, to start on January 1, 2027.