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-3E with dependents at Buffalo draws $2,919 per month in 2026

    Permalinkbahratedesk.com/buffalo-ny/o-3e/with/ExcelCSVDownloads cover this station.
    Buffalo, NY
    O-3E · with dependents
    $2,919/ month
    $35,028 / year
    At O-3E, this is #128 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA NY216 · ZIPs 14001 14004 14006 14008 14010 14012 +104 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,742 / mo gross
    Other dependency status here$2,544 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Buffalo — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,055$1,623
    E-2$2,055$1,623
    E-3$2,055$1,623
    E-4$2,055$1,623
    E-5$2,214$1,791
    E-6$2,553$1,914
    E-7$2,631$2,058
    E-8$2,718$2,289
    E-9$2,862$2,382
    Warrant officer
    W-1$2,571$2,010
    W-2$2,667$2,286
    W-3$2,775$2,394
    W-4$2,895$2,565
    W-5$3,045$2,652
    Officer — prior enlisted
    O-1E$2,646$2,211
    O-2E$2,757$2,361
    O-3E$2,919$2,544
    Officer
    O-1$2,262$1,890
    O-2$2,550$2,166
    O-3$2,772$2,427
    O-4$3,093$2,631
    O-5$3,324$2,676
    O-6$3,351$2,754
    O-7$3,372$2,802
    PCS compareBuffalo · O-3E · $2,919/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$303+$3,636/yr · like +$4,662 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Twenty Nine Palms MCB$2,940
    Abilene$2,937
    Spokane$2,937
    Dallas$2,934
    Buffalo$2,919
    Syracuse$2,919
    Eugene$2,913
    Patuxent River$2,910
    College Station$2,904
    Youngstown$1,788

    Buffalo is #128 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 Buffalo0 – $3,372 / month
    E-1$2,055
    E-2$2,055
    E-3$2,055
    E-4$2,055
    E-5$2,214
    E-6$2,553
    E-7$2,631
    E-8$2,718
    E-9$2,862
    W-1$2,571
    W-2$2,667
    W-3$2,775
    W-4$2,895
    W-5$3,045
    O-1E$2,646
    O-2E$2,757
    O-3E$2,919
    O-1$2,262
    O-2$2,550
    O-3$2,772
    O-4$3,093
    O-5$3,324
    O-6$3,351
    O-7$3,372

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

    01

    Dependency status is worth 15% 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. $2,919 a month of BAH takes more than $2,919 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.