2026 BAH Rates — St. Louis, MO
2026 Basic Allowance for Housing (BAH) for St. Louis, MO (Military Housing Area MO161), 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 | $2,268 | $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 | $3,309 | $2,784 |
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 St. Louis, MO?
In 2026, an E-5 with dependents stationed in St. Louis, MO receives $2,436 per month in tax-free BAH, or $1,947 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.