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 Austin draws $2,676 per month in 2026

    Permalinkbahratedesk.com/austin-tx/o-3/without/ExcelCSVDownloads cover this station.
    Austin, TX
    O-3 · without dependents
    $2,676/ month
    $32,112 / year
    At O-3, this is #96 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA TX272 · ZIPs 73301 73344 76527 76530 76537 76573 +107 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,431 / mo gross
    Other dependency status here$3,447 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Austin — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,046$1,536
    E-2$2,046$1,536
    E-3$2,046$1,536
    E-4$2,046$1,536
    E-5$2,241$1,731
    E-6$2,802$2,103
    E-7$3,039$2,280
    E-8$3,294$2,472
    E-9$3,558$2,670
    Warrant officer
    W-1$2,826$2,121
    W-2$3,141$2,355
    W-3$3,456$2,673
    W-4$3,597$2,856
    W-5$3,771$3,096
    Officer — prior enlisted
    O-1E$3,087$2,316
    O-2E$3,408$2,556
    O-3E$3,624$2,796
    Officer
    O-1$2,313$1,848
    O-2$2,796$2,283
    O-3$3,447$2,676
    O-4$3,825$3,054
    O-5$4,095$3,198
    O-6$4,131$3,435
    O-7$4,161$3,495
    PCS compareAustin · O-3 · $2,676/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▼ CUT−$33−$396/yr · like −$508 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Fresno$2,685
    Dallas$2,682
    Hampden County$2,682
    Oxford$2,679
    Austin$2,676
    Allentown$2,670
    Beaufort$2,661
    Milwaukee$2,658
    Aberdeen Proving Grounds$2,643
    Youngstown$1,344

    Austin is #96 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 Austin0 – $3,495 / month
    E-1$1,536
    E-2$1,536
    E-3$1,536
    E-4$1,536
    E-5$1,731
    E-6$2,103
    E-7$2,280
    E-8$2,472
    E-9$2,670
    W-1$2,121
    W-2$2,355
    W-3$2,673
    W-4$2,856
    W-5$3,096
    O-1E$2,316
    O-2E$2,556
    O-3E$2,796
    O-1$1,848
    O-2$2,283
    O-3$2,676
    O-4$3,054
    O-5$3,198
    O-6$3,435
    O-7$3,495

    Promoting to O-4 here adds $378 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 Austin to San Francisco at O-3 is worth $2,655 a month — about 7 promotions worth of housing allowance, at $378 per grade here.

    02

    Dependency status is worth 29% 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. $2,676 a month of BAH takes more than $2,676 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.