What is the 2026 BAH for E-7 in FARGO, ND?

The 2026 Basic Allowance for Housing for an E-7 (Sergeant First Class / Chief Petty Officer) in FARGO, ND is $2,400/month with dependents and $1,800/month without dependents, per the DoD Defense Travel Management Office (DTMO) rate tables.

What is the 2026 BAH for O-3 in FARGO, ND?

The 2026 Basic Allowance for Housing for an O-3 (Captain / Lieutenant) in FARGO, ND is $2,511/month with dependents and $2,106/month without dependents, per the DoD Defense Travel Management Office (DTMO) rate tables.

Has BAH in FARGO, ND gone up?

BAH in FARGO, ND has increased +45.5% over the last 4 years, based on DoD DTMO published rates.

Is the FARGO, ND BAH rate the same for every rank?

No. BAH in FARGO, ND varies by paygrade (all 27 grades from E-1 to O-10) and by whether you have dependents. Higher ranks receive higher rates. See militarycalc.com for the full 2026 table.

BAH · ND189

2026 BAH Rates in FARGO, ND

The 2026 BAH for an E-5 in FARGO, ND is $1,707/month with dependents and $1,281/month without, per DoD DTMO rate tables. Rates below cover all 27 paygrades.

All 27 paygrades, with and without dependents. This MHA changed +45.5% over the last 4 years.

E-5 with dependents · 2026

$1,707/mo

$20,484/yr

Without dep: $1,281·Δ +$426/mo

YoY change

+13.1%

vs 2025 for E-5 w/dep

See how this base's BAH changed in 2026

Paygrade	With dep	No dep	Annual w/dep
E-1	$1,521	$1,206	$18,252
E-2	$1,521	$1,206	$18,252
E-3	$1,521	$1,206	$18,252
E-4	$1,521	$1,206	$18,252
E-5	$1,707	$1,281	$20,484
E-6	$2,337	$1,752	$28,044
E-7	$2,400	$1,800	$28,800
E-8	$2,466	$1,851	$29,592
E-9	$2,574	$2,022	$30,888
W-1	$2,358	$1,770	$28,296
W-2	$2,427	$1,833	$29,124
W-3	$2,514	$2,046	$30,168
W-4	$2,598	$2,346	$31,176
W-5	$2,706	$2,415	$32,472
O-1E	$2,409	$1,806	$28,908
O-2E	$2,499	$1,980	$29,988
O-3E	$2,613	$2,331	$31,356
O-1	$1,785	$1,338	$21,420
O-2	$2,328	$1,803	$27,936
O-3	$2,511	$2,106	$30,132
O-4	$2,739	$2,397	$32,868
O-5	$2,904	$2,430	$34,848
O-6	$2,925	$2,490	$35,100
O-7	$2,946	$2,532	$35,352
O-8	$2,946	$2,532	$35,352
O-9	$2,946	$2,532	$35,352
O-10	$2,946	$2,532	$35,352

Note: E-1 to E-4 in single-type-1 barracks generally receive $0 BAH; the rates shown apply when authorized to live off-base or with dependents.

E-5 with dependents · 2023–2026

Year	Monthly	Annual	YoY
2023	$1,173	$14,076	-
2024	$1,287	$15,444	+9.7%
2025	$1,509	$18,108	+17.2%
2026	$1,707	$20,484	+13.1%

What the 2026 numbers mean in FARGO, ND

At $1,707 a month for an E-5 with dependents, FARGO, ND ranks 227th of 299 military housing areas in the 2026 DoD tables, higher than 24% of locations. That is $411 below the national median of $2,118, which is the clearest single signal of how expensive the rental market around this duty station is compared with the rest of the force. Within North Dakota it sits 2nd of 4 housing areas, $55 above the state median of $1,652.

The dependent premium here is $426 a month (+33.3% over the without-dependents rate of $1,281). DoD sets the with-dependents rate against a larger housing profile for the same paygrade, so the gap tracks how much more a family-sized rental costs locally, not a flat percentage. One dependent or five, the rate is the same: BAH has only two dependency tiers.

Between adjacent grades the largest single step in FARGO, ND is E-5 to E-6, worth $630 more per month with dependents. An O-3 draws $2,511, about 1.47x the E-5 rate, because each paygrade is pegged to a different anchor housing type (from a one-bedroom apartment at the junior enlisted grades up to a single-family house for senior officers).

Over 4 years the E-5 with-dependents rate moved from $1,173 in 2023 to $1,707 in 2026 (+45.5% overall). Year by year: 2024: $1,287 (+9.7%); 2025: $1,509 (+17.2%); 2026: $1,707 (+13.1%). Every year came in at or above the previous one, so rate protection never had to apply here in this window.

BAH is not taxed and does not count toward retired pay. It is paid at the rate for the member's duty-station ZIP code, not the ZIP where they choose to live, so a cheaper rental outside FARGO, NDleaves the difference in the member's pocket. Rates take effect January 1 and come from the annual DTMO survey of rents and average utilities for each housing area. Verify your exact entitlement with your unit pay office or your LES; see the LES guide and the with vs. without dependents explainer.

Frequently asked: BAH in FARGO, ND

What is the 2026 BAH for E-5 in FARGO, ND?: The 2026 Basic Allowance for Housing for an E-5 (Sergeant / Petty Officer 2nd Class) in FARGO, ND is $1,707/month with dependents and $1,281/month without dependents, per the DoD Defense Travel Management Office (DTMO) rate tables.
What is the 2026 BAH for E-7 in FARGO, ND?: The 2026 Basic Allowance for Housing for an E-7 (Sergeant First Class / Chief Petty Officer) in FARGO, ND is $2,400/month with dependents and $1,800/month without dependents, per the DoD Defense Travel Management Office (DTMO) rate tables.
What is the 2026 BAH for O-3 in FARGO, ND?: The 2026 Basic Allowance for Housing for an O-3 (Captain / Lieutenant) in FARGO, ND is $2,511/month with dependents and $2,106/month without dependents, per the DoD Defense Travel Management Office (DTMO) rate tables.
Has BAH in FARGO, ND gone up?: BAH in FARGO, ND has increased +45.5% over the last 4 years, based on DoD DTMO published rates.
Is the FARGO, ND BAH rate the same for every rank?: No. BAH in FARGO, ND varies by paygrade (all 27 grades from E-1 to O-10) and by whether you have dependents. Higher ranks receive higher rates. See militarycalc.com for the full 2026 table.
Where does this data come from?: Directly from the DoD Defense Travel Management Office BAH rate files for 2023-2026, parsed without manual edits. The same tables power the interactive calculator and our open dataset.