BAH With vs Without Dependents: What's the Difference?
Every BAH rate comes in two versions: with dependents and without dependents. The with-dependents rate is higher — often $200–$600+ more per month — but it does not change based on how many dependents you have.
How the two rates work
For each pay grade and location, the Department of Defense publishes one "with dependents" rate and one "without dependents" rate. If you have any qualifying dependent (a spouse or child), you receive the higher rate. Having three children pays the same BAH as having one.
How much more is the with-dependents rate?
The gap varies by grade and location, but the with-dependents rate is typically a few hundred dollars per month higher. Junior enlisted members usually see the largest percentage difference. Enter your ZIP code and toggle dependent status in the calculator to see the exact difference for your situation.
Compare your BAH with and without dependents by ZIP code.
Calculate my pay →Special situations
- Dual-military couples: rules determine who claims the with-dependents rate; both generally cannot claim the same dependent.
- Geographic bachelor: if your family lives apart from your duty station, special rules may apply.
- Single with no dependents: you receive the without-dependents rate, and junior members may live in the barracks and not receive BAH at all.
BAH is tax-free either way — see our 2026 BAH guide for the basics.
Frequently asked questions
How much more is BAH with dependents?
It varies by grade and location, but the with-dependents rate is typically a few hundred dollars per month higher than the without-dependents rate.
Does BAH increase with more children?
No. BAH pays the same with-dependents rate whether you have one dependent or several.
Is BAH taxable?
No. BAH is tax-free for both the with- and without-dependents rates.