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 Bismarck draws $1,980 per month in 2026

    Permalinkbahratedesk.com/bismarck-nd/o-3/without/ExcelCSVDownloads cover this station.
    Bismarck, ND
    O-3 · without dependents
    $1,980/ month
    $23,760 / year
    At O-3, this is #226 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA ND188 · ZIPs 58477 58494 58501 58502 58503 58504 +15 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,538 / mo gross
    Other dependency status here$2,370 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Bismarck — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,500$1,125
    E-2$1,500$1,125
    E-3$1,500$1,125
    E-4$1,500$1,125
    E-5$1,596$1,287
    E-6$2,202$1,653
    E-7$2,262$1,698
    E-8$2,328$1,746
    E-9$2,376$1,899
    Warrant officer
    W-1$2,223$1,668
    W-2$2,289$1,716
    W-3$2,373$1,923
    W-4$2,379$2,211
    W-5$2,385$2,277
    Officer — prior enlisted
    O-1E$2,271$1,704
    O-2E$2,358$1,860
    O-3E$2,382$2,196
    Officer
    O-1$1,674$1,398
    O-2$2,196$1,701
    O-3$2,370$1,980
    O-4$2,388$2,259
    O-5$2,391$2,292
    O-6$2,397$2,349
    O-7$2,409$2,388
    PCS compareBismarck · O-3 · $1,980/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$663+$7,956/yr · like +$10,200 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Fort Campbell$1,995
    Greensboro$1,995
    Lincoln$1,992
    Bangor$1,989
    Bismarck$1,980
    Mountain Home AFB$1,977
    Huntsville$1,974
    Morehead$1,971
    Waco$1,971
    Youngstown$1,344

    Bismarck is #226 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 Bismarck0 – $2,388 / month
    E-1$1,125
    E-2$1,125
    E-3$1,125
    E-4$1,125
    E-5$1,287
    E-6$1,653
    E-7$1,698
    E-8$1,746
    E-9$1,899
    W-1$1,668
    W-2$1,716
    W-3$1,923
    W-4$2,211
    W-5$2,277
    O-1E$1,704
    O-2E$1,860
    O-3E$2,196
    O-1$1,398
    O-2$1,701
    O-3$1,980
    O-4$2,259
    O-5$2,292
    O-6$2,349
    O-7$2,388

    Promoting to O-4 here adds $279 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 Bismarck to San Francisco at O-3 is worth $3,351 a month — about 12 promotions worth of housing allowance, at $279 per grade here.

    02

    Dependency status is worth 20% 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. $1,980 a month of BAH takes more than $1,980 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.