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
    Dependents
    With $3,381Without $2,850

    O-3E at Ballston Spa draws $3,381 per month with dependents in 2026, $2,850 without

    Permalinkbahratedesk.com/ballston-spa-albany-ny/o-3e/ExcelCSVDownloads cover this station.
    Ballston Spa/Albany, NY
    O-3E · with dependents
    $3,381/ month
    $40,572 / year
    At O-3E, this is #79 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA NY215 · ZIPs 12007 12008 12009 12018 12019 12020 +139 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$4,335 / mo gross
    Without dependents here$2,850 / mo
    In government quarters, no dependents$50.10 / mo partial
    Ballston Spa — full sheetTap a row
    PCS compareBallston Spa · O-3E · $3,381/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▼ CUT$159−$1,908/yr · like −$2,446 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    County Cost Group 870$3,432
    Edwards AFB$3,414
    Fort Detrick$3,399
    Cape May$3,390
    Ballston Spa$3,381
    Milwaukee$3,363
    Kodiak Island$3,348
    Astoria$3,339
    Denver$3,306
    Youngstown$1,788

    Ballston Spa is #79 of 338. The spread between the dearest and cheapest station at this grade is $5,235 a month — $62,820 a year, untaxed.

    Every pay grade at Ballston Spa0 – $3,834 / month
    E-1$2,388
    E-2$2,388
    E-3$2,388
    E-4$2,388
    E-5$2,634
    E-6$2,862
    E-7$2,997
    E-8$3,144
    E-9$3,327
    W-1$2,880
    W-2$3,057
    W-3$3,240
    W-4$3,357
    W-5$3,504
    O-1E$3,021
    O-2E$3,213
    O-3E$3,381
    O-1$2,670
    O-2$2,859
    O-3$3,234
    O-4$3,549
    O-5$3,777
    O-6$3,807
    O-7$3,834

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    Dependency status is worth 19% 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. $3,381 a month of BAH takes more than $3,381 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.