So how do you know where you should move or PCS to? My argument here will be that your next duty station could hold the key to upping your Effective Income by over $15,000 per year. This is due to the difference in locality pay also known as Basic Allowance for Housing (BAH).
Every zip code has an associated value for your BAH. Its important to remember that you dont use the zip code your house will be in but instead use the zip code that your office will be at and in some cases where the nearest base is. BAH is such a beautiful thing because not only is it huge in some areas, its also tax free.
This is part of the reason military members have such low effective tax rates. Currently 40% of my income is non-taxable because I live in a high BAH city. So instead of paying taxes on my true $91,200 salary, I only pay taxes on $55,000.
The tax difference comes out to be $7k vs $16k owed to the IRS. Another way to look at this is that for every $1 of BAH, you are getting the same worth as about $1.25 of normal income, depending on your tax bracket of course.
First, I would narrow my list down to areas that are even potential spots for yourself. For some career fields you may be able to go just about anywhere and for others you may only have a handful of bases to choose from. Once you have a list, you can go check all the BAH rates over at
For instance an 0-3 would receive $1083 per month without dependents if you were stationed at Malmstrom AFB in Montana. The same 0-3 stationed at Hanscom AFB in Massachusetts would receive $3063 per month. Your first thought might be that theyre so different because Hanscom is near Boston which is vastly more expensive than Montana.
This is potentially true in some situations but
From: Military Retirement
Whether you are new to military life as a civilian male military spouse, or you have been in the military life for years, you should know where military installations are located (epecially if your spouse just received orders).
Find Military Bases with these Military Base Locators. Use these Base Locators to Find Military Installations Around The World.
Pearl Harbor was bombed December 07 1941
National Pearl Harbor Remembrance Day is Annually on December 7 Commemorates Attack on Pearl Harbor Hawaii during World War II.
A list of holidays, observances and events recognized throughout the month of December including federal, non-federal and religious holidays and more.
December Military Calendar of Holidays, Events, Observances