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Military Cost of Living Allowance Calculator

Reviewed by Calculator Editorial Team

The Military Cost of Living Allowance (COLA) calculator helps military personnel and their families determine their housing allowance based on official military housing rates and local cost of living data. This tool provides an accurate estimate of what you can expect to receive as a housing allowance when stationed in different locations.

How to Use This Calculator

Using the military cost of living allowance calculator is straightforward. Follow these steps:

  1. Select your military rank from the dropdown menu.
  2. Choose your duty station location from the available options.
  3. Select the type of housing you'll be occupying (e.g., single-family home, apartment, barracks).
  4. Enter the number of dependents you'll be bringing with you.
  5. Click the "Calculate" button to generate your estimated housing allowance.

The calculator will display your estimated monthly housing allowance based on the inputs you provided. You can then compare this with your actual housing costs to determine if you'll receive a subsistence allowance.

Formula Used

The military cost of living allowance is calculated using the following formula:

COLA = (Housing Rate × BAH) + (Dependent Allowance × Number of Dependents)

Where:

  • COLA = Cost of Living Allowance
  • Housing Rate = Official military housing rate for your location and rank
  • BAH = Basic Allowance for Housing (varies by rank and location)
  • Dependent Allowance = Additional allowance per dependent (varies by location)
  • Number of Dependents = Number of dependents you're bringing

This formula provides an estimate based on official military housing allowances and local cost of living data.

Worked Example

Let's walk through an example calculation for a Sergeant stationed in Washington, D.C. with two dependents:

  1. Select "Sergeant" from the rank dropdown.
  2. Choose "Washington, D.C." from the location dropdown.
  3. Select "Single-family home" as the housing type.
  4. Enter "2" for the number of dependents.
  5. Click "Calculate".

The calculator will display the estimated monthly housing allowance based on official military housing rates for a Sergeant in Washington, D.C. with two dependents.

Note: Actual allowances may vary based on specific housing arrangements and local cost of living adjustments.

Interpreting Results

When you receive your military housing allowance, it's important to understand what it covers and how it compares to your actual housing costs. Here's what to consider:

  • Subsistence Allowance: If your housing costs exceed your BAH, you may receive a subsistence allowance to cover the difference.
  • Dependent Allowance: This is an additional amount provided for each dependent you bring with you.
  • Local Cost of Living: The calculator uses official military housing rates, but actual costs may vary based on your specific housing situation.

Use this calculator as a guide to understand what to expect from your military housing allowance. For precise details, consult your military housing office or financial advisor.

Frequently Asked Questions

What is the military cost of living allowance?
The military cost of living allowance is a payment made to service members and their families to help cover the cost of housing while stationed in different locations.
How is the military cost of living allowance calculated?
The allowance is based on official military housing rates, your rank, location, and number of dependents. The calculator uses this information to provide an estimate.
Can I receive a subsistence allowance if my housing costs exceed my BAH?
Yes, if your actual housing costs are higher than your Basic Allowance for Housing (BAH), you may be eligible for a subsistence allowance to cover the difference.
How often is the military cost of living allowance reviewed?
The military periodically reviews and adjusts housing allowances based on changes in the cost of living and military housing rates.
Where can I find official military housing allowance information?
For official military housing allowance information, visit the official U.S. Department of Defense housing website or consult with your military housing office.