What is O-3 BAH at Bloomington in 2026?

$2,469 per month with dependents ($29,628 per year), effective 01 JAN 2026. without dependents it is $1,953 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-3 BAH at Bloomington 2026 — $2,469/mo with dependents

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

Bloomington, IN

O-3 · with dependents

$2,469/ month

$29,628 / year

At O-3, this is #186 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA IN399 · ZIPs 47401 47402 47403 47404 47405 47406 +22 more

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Untaxed — matching it with taxable pay takes$3,165 / mo gross

Other dependency status here$1,953 without dependents

In government quarters, no dependents$50.10 / mo partial

Bloomington — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,755	$1,317
E-2	$1,755	$1,317
E-3	$1,755	$1,317
E-4	$1,755	$1,317
E-5	$1,905	$1,482
E-6	$1,956	$1,617
E-7	$2,139	$1,761
E-8	$2,343	$1,923
E-9	$2,595	$1,947
Warrant officer
W-1	$1,971	$1,716
W-2	$2,223	$1,920
W-3	$2,475	$1,950
W-4	$2,640	$2,007
W-5	$2,841	$2,187
Officer — prior enlisted
O-1E	$2,175	$1,902
O-2E	$2,439	$1,926
O-3E	$2,673	$2,004
Officer
O-1	$1,920	$1,602
O-2	$1,953	$1,860
O-3	$2,469	$1,953
O-4	$2,910	$2,184
O-5	$3,225	$2,418
O-6	$3,249	$2,454
O-7	$3,273	$2,496

What this rate means

O-3 with dependents, nearest stations0 – $6,633 / month

Westchester County$6,633

Corpus Christi$2,475

Hampton$2,475

Rapid City$2,475

Charlotte$2,472

Bloomington$2,469

Fort Drum$2,469

Fort Worth$2,460

Cleveland$2,457

Lemoore NAS$2,451

Anniston$1,686

Bloomington is #186 of 338. The spread between the dearest and cheapest station at this grade is $4,947 a month — $59,364 a year, untaxed.

Every pay grade at Bloomington0 – $3,273 / month

E-1$1,755

E-2$1,755

E-3$1,755

E-4$1,755

E-5$1,905

E-6$1,956

E-7$2,139

E-8$2,343

E-9$2,595

W-1$1,971

W-2$2,223

W-3$2,475

W-4$2,640

W-5$2,841

O-1E$2,175

O-2E$2,439

O-3E$2,673

O-1$1,920

O-2$1,953

O-3$2,469

O-4$2,910

O-5$3,225

O-6$3,249

O-7$3,273

Promoting to O-4 here adds $441 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Bloomington to Westchester County at O-3 is worth $4,164 a month — about 9 promotions worth of housing allowance, at $441 per grade here.

Dependency status is worth 26% 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.

None of it is taxed. $2,469 a month of BAH takes more than $2,469 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-3 with dependents at Bloomington draws $2,469 per month in 2026

What this rate means

Things the rate table doesn't tell you