BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Duty station or MHA
    Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.
    Or type your rank
    Enlisted
    E-1E-2E-3E-4E-5E-6E-7E-8E-9
    Warrant
    W-1W-2W-3W-4W-5
    Prior enl.
    O-1EO-2EO-3E
    Officer
    O-1O-2O-3O-4O-5O-6O-7
    Dependents
    WithWithout

    O-3 without dependents at Abilene draws $2,475 per month in 2026

    Permalinkbahratedesk.com/abilene-dyess-afb-tx/o-3/without/ExcelCSVDownloads cover this station.
    Abilene/Dyess AFB, TX
    O-3 · without dependents
    $2,475/ month
    $29,700 / year
    At O-3, this is #131 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA TX270 · ZIPs 76443 76469 79501 79503 79504 79508 +22 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,173 / mo gross
    Other dependency status here$2,859 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Abilene — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,761$1,380
    E-2$1,761$1,380
    E-3$1,761$1,380
    E-4$1,761$1,380
    E-5$1,872$1,545
    E-6$2,820$2,115
    E-7$2,844$2,133
    E-8$2,853$2,145
    E-9$2,895$2,352
    Warrant officer
    W-1$2,841$2,130
    W-2$2,850$2,142
    W-3$2,862$2,382
    W-4$2,919$2,817
    W-5$3,030$2,826
    Officer — prior enlisted
    O-1E$2,847$2,139
    O-2E$2,856$2,286
    O-3E$2,937$2,814
    Officer
    O-1$1,989$1,644
    O-2$2,805$2,136
    O-3$2,859$2,475
    O-4$3,063$2,820
    O-5$3,234$2,829
    O-6$3,258$2,832
    O-7$3,282$2,859
    PCS compareAbilene · O-3 · $2,475/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$168+$2,016/yr · like +$2,585 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Birmingham$2,490
    Patuxent River$2,490
    Pittsburgh$2,484
    Knoxville$2,481
    Abilene$2,475
    County Cost Group 830$2,457
    Asheville$2,439
    Cincinnati$2,433
    Fort Collins$2,433
    Youngstown$1,344

    Abilene is #131 of 338. The spread between the dearest and cheapest station at this grade is $3,987 a month — $47,844 a year, untaxed.

    Every pay grade at Abilene0 – $2,859 / month
    E-1$1,380
    E-2$1,380
    E-3$1,380
    E-4$1,380
    E-5$1,545
    E-6$2,115
    E-7$2,133
    E-8$2,145
    E-9$2,352
    W-1$2,130
    W-2$2,142
    W-3$2,382
    W-4$2,817
    W-5$2,826
    O-1E$2,139
    O-2E$2,286
    O-3E$2,814
    O-1$1,644
    O-2$2,136
    O-3$2,475
    O-4$2,820
    O-5$2,829
    O-6$2,832
    O-7$2,859

    Promoting to O-4 here adds $345 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Abilene to San Francisco at O-3 is worth $2,856 a month — about 8 promotions worth of housing allowance, at $345 per grade here.

    02

    Dependency status is worth 16% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

    03

    None of it is taxed. $2,475 a month of BAH takes more than $2,475 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    Things the rate table doesn't tell you

    01

    “With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

    02

    O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

    03

    This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.