Updated February 2026

BAH Rates Cincinnati, OH 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Cincinnati military housing area (MHA: OH228), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$2,283

$27,396/year

E-5 without Dependents

$1,713

$20,556/year

O-3 with Dependents

$2,604

$31,248/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,031	$24,372
E-2	$2,031	$24,372
E-3	$2,031	$24,372
E-4	$2,031	$24,372
E-5	$2,283	$27,396
E-6	$2,526	$30,312
E-7	$2,553	$30,636
E-8	$2,583	$30,996
E-9	$2,676	$32,112
Warrant Officer
W-1	$2,544	$30,528
W-2	$2,565	$30,780
W-3	$2,607	$31,284
W-4	$2,703	$32,436
W-5	$2,829	$33,948
Commissioned Officer (Prior Enlisted)
O-1E	$2,556	$30,672
O-2E	$2,595	$31,140
O-3E	$2,724	$32,688
Commissioned Officer
O-1	$2,322	$27,864
O-2	$2,523	$30,276
O-3	$2,604	$31,248
O-4	$2,868	$34,416
O-5	$3,060	$36,720
O-6	$3,084	$37,008
O-7	$3,105	$37,260

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,524	$18,288
E-2	$1,524	$18,288
E-3	$1,524	$18,288
E-4	$1,524	$18,288
E-5	$1,713	$20,556
E-6	$1,893	$22,716
E-7	$2,040	$24,480
E-8	$2,337	$28,044
E-9	$2,400	$28,800
Warrant Officer
W-1	$1,953	$23,436
W-2	$2,334	$28,008
W-3	$2,412	$28,944
W-4	$2,523	$30,276
W-5	$2,559	$30,708
Commissioned Officer (Prior Enlisted)
O-1E	$2,280	$27,360
O-2E	$2,385	$28,620
O-3E	$2,517	$30,204
Commissioned Officer
O-1	$1,776	$21,312
O-2	$2,202	$26,424
O-3	$2,433	$29,196
O-4	$2,544	$30,528
O-5	$2,562	$30,744
O-6	$2,583	$30,996
O-7	$2,625	$31,500

53 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Cincinnati (OH228) Military Housing Area:

45001 45002 45030 45033 45041 45052 45111 45174 45202 45203 45204 45205 45206 45207 45208 45209 45210 45211 45212 45213 45214 45215 45216 45217 45218 45219 45220 45223 45224 45225 45226 45227 45229 45230 45231 45232 45233 45236 45237 45238 45239 45240 45241 45242 45243 45244 45246 45247 45248 45249 45251 45252 45255

Frequently Asked Questions

What is the BAH rate for an E-5 in Cincinnati?

The 2026 BAH rate for an E-5 with dependents in Cincinnati, OH is $2,283 per month ($27,396 per year). Without dependents, the rate is $1,713 per month.

How many ZIP codes are in the Cincinnati MHA?

The Cincinnati Military Housing Area (OH228) includes 53 ZIP codes.

What is BAH and how is it calculated?

Basic Allowance for Housing (BAH) is a U.S. military benefit that provides service members with housing compensation based on their duty station location, pay grade, and dependency status. Rates are set annually by the Department of Defense based on local rental market data.

Data Sources

Defense Travel Management Office — BAH Rates
Rates effective January 1, 2026

Last verified: February 2026

What's Next?

Calculate Total Pay See your full compensation: Base Pay + BAH + BAS Calculate → Take-Home Pay Calculate net pay after taxes and deductions Calculate → GI Bill Benefits BAH determines your GI Bill housing allowance Calculate →

Popular BAH Locations

San Diego, CA$3,975 Norfolk, VA$2,430 San Antonio, TX$1,869 Fort Bragg, NC$1,806 Colorado Springs, CO$2,358 Jacksonville, FL$2,181 Honolulu, HI$3,663 Tacoma, WA$2,556

View all Ohio BAH rates →

How Cincinnati, OH BAH compares nationally

BAH here tracks closely with the national picture — an E-5 with dependents draws $2,283/mo against a national MHA average of $2,289 (120th of 299 MHAs). Neither a windfall nor a squeeze; your allowance should roughly match the local rental market's middle.

Within the state, this is the highest-rate MHA of 7; the lowest is Youngstown, OH at $1,191/mo for the same E-5 — a $1,092 monthly spread that matters if you have any say in your assignment.

Across enlisted grades here, having dependents adds an average of $474/mo (27.4%) to the allowance. The with/without-dependents gap is set per location, so it differs from base to base — use the tables above for your exact grade.

Comparisons computed from the official 2026 BAH rate file across all 299 market-priced MHAs (county cost groups excluded). Benchmark grade: E-5 with dependents.