United States · BAH 2026 · Missouri
St. Louis, MO BAH rates 2026
In St. Louis, MO, 2026 BAH runs from $1,701 a month (E-1 without dependents) to $3,309 (O-7 and above with dependents). An E-5 with dependents gets $2,436 a month, not taxed.
St. Louis, MO · E-5 · with dependents
$2,436 a month
$29,232 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,268 | $1,701 |
| E-2 | $2,268 | $1,701 |
| E-3 | $2,268 | $1,701 |
| E-4 | $2,268 | $1,701 |
| E-5 | $2,436 | $1,947 |
| E-6 | $2,655 | $2,112 |
| E-7 | $2,691 | $2,271 |
| E-8 | $2,733 | $2,487 |
| E-9 | $2,841 | $2,541 |
| W-1 | $2,673 | $2,220 |
| W-2 | $2,709 | $2,484 |
| W-3 | $2,763 | $2,553 |
| W-4 | $2,871 | $2,655 |
| W-5 | $3,006 | $2,700 |
| O-1E | $2,694 | $2,433 |
| O-2E | $2,751 | $2,529 |
| O-3E | $2,892 | $2,646 |
| O-1 | $2,472 | $2,094 |
| O-2 | $2,652 | $2,385 |
| O-3 | $2,760 | $2,571 |
| O-4 | $3,048 | $2,685 |
| O-5 | $3,261 | $2,703 |
| O-6 | $3,285 | $2,739 |
| O-7 and above | $3,309 | $2,784 |
What is take-home pay with BAH in St. Louis, MO?
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. Missouri does not tax a resident’s active-duty pay, so no state tax comes off.
| 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 | $1,701.00 | $2,268.00 | $2,571.00 | $2,760.00 |
| 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 | none | none | none | none |
| Take-home a month | $5,157.73 | $5,881.04 | $8,829.04 | $9,383.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in St. Louis, MO?
DTMO’s 2026 list maps 149 ZIP codes to this housing area (MO161). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 149 ZIP codes
620xx: 62001, 62002, 62010, 62018, 62021, 62024, 62025, 62026, 62034, 62035, 62040, 62046, 62048, 62058, 62060, 62061, 62062, 62067, 62074, 62084, 62087, 62090, 62095, 62097
630xx: 63005, 63006, 63010, 63011, 63012, 63016, 63017, 63019, 63020, 63021, 63022, 63023, 63024, 63025, 63026, 63028, 63030, 63031, 63032, 63033, 63034, 63038, 63040, 63042, 63043, 63044, 63045, 63047, 63048, 63049, 63050, 63051, 63052, 63053, 63057, 63065, 63066, 63070, 63074, 63088, 63099
631xx: 63101, 63102, 63103, 63104, 63105, 63106, 63107, 63108, 63109, 63110, 63111, 63112, 63113, 63114, 63115, 63116, 63117, 63118, 63119, 63120, 63121, 63122, 63123, 63124, 63125, 63126, 63127, 63128, 63129, 63130, 63131, 63132, 63133, 63134, 63135, 63136, 63137, 63138, 63139, 63140, 63141, 63143, 63144, 63145, 63146, 63147, 63150, 63151, 63155, 63156, 63157, 63158, 63160, 63163, 63164, 63166, 63167, 63169, 63171, 63177, 63178, 63179, 63180, 63188, 63195, 63197, 63199
633xx: 63301, 63302, 63303, 63304, 63332, 63338, 63341, 63346, 63348, 63365, 63366, 63367, 63368, 63373, 63376, 63385, 63386
How does St. Louis, MO BAH compare?
For an E-5 with dependents, St. Louis, MO pays $2,436 a month: number 100 of 338 housing areas, and $375 above the middle of all areas ($2,061). Other housing areas in Missouri:
- Columbia/Jefferson City, MO E-5 with dependents $1,377
- Fort Leonard Wood, MO E-5 with dependents $1,479
- Kansas City, MO E-5 with dependents $1,986
- Springfield, MO E-5 with dependents $1,389
- Whiteman AFB, MO E-5 with dependents $1,611
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.
- Missouri minimum wage The Missouri minimum wage for 2026 and 2027, with full-time pay.
- Missouri paycheck calculator Take-home pay for a civilian job in Missouri, after federal and state tax.
Questions about BAH in St. Louis, MO
What is E-5 BAH in St. Louis, MO for 2026?
$2,436 a month with dependents and $1,947 without ($29,232 and $23,364 a year). That ranks 100 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 St. Louis, MO?
An O-3 gets $2,760 a month with dependents and $2,571 without in 2026. A W-2 gets $2,709 and $2,484.
How much BAH does an E-1 get in St. Louis, MO?
$2,268 a month with dependents and $1,701 without. E-1 to E-4 get the same rates here.
Which ZIP codes use St. Louis, MO BAH rates?
149 ZIP codes in DTMO’s 2026 list map to this housing area (MO161): 62001, 62002, 62010, 62018, 62021 and 144 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in St. Louis, MO 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 $5,660.35 a month here with allowances and takes home about $5,157.73. Missouri does not tax a resident’s active-duty pay, so no state tax comes off.
When will St. Louis, MO 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.