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 Brunswick draws $2,856 per month in 2026

    Permalinkbahratedesk.com/brunswick-me/o-3/without/ExcelCSVDownloads cover this station.
    Brunswick, ME
    O-3 · without dependents
    $2,856/ month
    $34,272 / year
    At O-3, this is #76 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA ME136 · ZIPs 04003 04008 04011 04032 04066 04069 +69 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,662 / mo gross
    Other dependency status here$3,762 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Brunswick — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,124$1,632
    E-2$2,124$1,632
    E-3$2,124$1,632
    E-4$2,124$1,632
    E-5$2,205$1,893
    E-6$2,556$2,040
    E-7$2,997$2,247
    E-8$3,477$2,607
    E-9$3,801$2,850
    Warrant officer
    W-1$2,583$2,109
    W-2$3,192$2,394
    W-3$3,783$2,853
    W-4$3,807$2,862
    W-5$3,843$3,105
    Officer — prior enlisted
    O-1E$3,090$2,319
    O-2E$3,696$2,772
    O-3E$3,813$2,859
    Officer
    O-1$2,253$2,037
    O-2$2,553$2,250
    O-3$3,762$2,856
    O-4$3,846$3,036
    O-5$3,894$3,312
    O-6$3,927$3,762
    O-7$3,957$3,828
    PCS compareBrunswick · O-3 · $2,856/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▼ CUT−$213−$2,556/yr · like −$3,277 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Ann Arbor$2,889
    Sitka$2,886
    County Cost Group 870$2,871
    Philadelphia$2,871
    Brunswick$2,856
    Orlando$2,847
    Fort Myers Beach$2,835
    Outer Banks$2,820
    Madison$2,799
    Youngstown$1,344

    Brunswick is #76 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 Brunswick0 – $3,828 / month
    E-1$1,632
    E-2$1,632
    E-3$1,632
    E-4$1,632
    E-5$1,893
    E-6$2,040
    E-7$2,247
    E-8$2,607
    E-9$2,850
    W-1$2,109
    W-2$2,394
    W-3$2,853
    W-4$2,862
    W-5$3,105
    O-1E$2,319
    O-2E$2,772
    O-3E$2,859
    O-1$2,037
    O-2$2,250
    O-3$2,856
    O-4$3,036
    O-5$3,312
    O-6$3,762
    O-7$3,828

    Promoting to O-4 here adds $180 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 Brunswick to San Francisco at O-3 is worth $2,475 a month — about 14 promotions worth of housing allowance, at $180 per grade here.

    02

    Dependency status is worth 32% 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. $2,856 a month of BAH takes more than $2,856 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.