2026 BAH Rates — Cincinnati, OH
2026 Basic Allowance for Housing (BAH) for Cincinnati, OH (Military Housing Area OH228), effective January 1, 2026. BAH is a tax-free monthly allowance set by your duty-station ZIP code, pay grade, and whether you have dependents.
| Pay 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 | $3,105 | $2,625 |
Estimate your own pay with the BAH calculator and the full military pay calculator. See all BAH locations or the by-state overview.
Frequently asked questions
How much is BAH in Cincinnati, OH?
In 2026, an E-5 with dependents stationed in Cincinnati, OH receives $2,283 per month in tax-free BAH, or $1,713 without dependents. Rates vary by pay grade — see the full table above.
Is BAH taxable?
No. BAH is a tax-free housing allowance, which makes it worth more than the same amount of taxable base pay.