What is O-3 BAH at Camp Lejeune in 2026?

$2,085 per month with dependents ($25,020 per year), effective 01 JAN 2026. Without dependents it is $1,809 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 Camp Lejeune 2026 — $2,085 with dependents, $1,809 without

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

Camp Lejeune, NC

O-3 · with dependents

$2,085/ month

$25,020 / year

At O-3, this is #268 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA NC178 · ZIPs 28445 28460 28539 28540 28541 28542 +8 more

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Untaxed — matching it with taxable pay takes$2,673 / mo gross

Without dependents here$1,809 / mo

In government quarters, no dependents$50.10 / mo partial

Camp Lejeune — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,578	$1,323
E-2	$1,578	$1,323
E-3	$1,578	$1,323
E-4	$1,578	$1,323
E-5	$1,584	$1,476
E-6	$1,944	$1,569
E-7	$1,995	$1,593
E-8	$2,049	$1,662
E-9	$2,160	$1,761
Warrant officer
W-1	$1,962	$1,590
W-2	$2,016	$1,659
W-3	$2,088	$1,776
W-4	$2,187	$1,950
W-5	$2,316	$2,004
Officer — prior enlisted
O-1E	$2,001	$1,599
O-2E	$2,073	$1,740
O-3E	$2,208	$1,935
Officer
O-1	$1,635	$1,566
O-2	$1,941	$1,596
O-3	$2,085	$1,809
O-4	$2,355	$1,989
O-5	$2,553	$2,016
O-6	$2,571	$2,064
O-7	$2,586	$2,097

What this rate means

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

Westchester County$6,633

Sioux Falls$2,106

Tulsa$2,106

County Cost Group 740$2,097

Wright-Patterson AFB$2,097

Camp Lejeune$2,085

Wilkes-Barre$2,085

White Sands MR$2,082

County Cost Group 730$2,064

Topeka$2,064

Anniston$1,686

Camp Lejeune is #268 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 Camp Lejeune0 – $2,586 / month

E-1$1,578

E-2$1,578

E-3$1,578

E-4$1,578

E-5$1,584

E-6$1,944

E-7$1,995

E-8$2,049

E-9$2,160

W-1$1,962

W-2$2,016

W-3$2,088

W-4$2,187

W-5$2,316

O-1E$2,001

O-2E$2,073

O-3E$2,208

O-1$1,635

O-2$1,941

O-3$2,085

O-4$2,355

O-5$2,553

O-6$2,571

O-7$2,586

Promoting to O-4 here adds $270 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 Camp Lejeune to Westchester County at O-3 is worth $4,548 a month — about 17 promotions worth of housing allowance, at $270 per grade here.

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.

None of it is taxed. $2,085 a month of BAH takes more than $2,085 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 at Camp Lejeune draws $2,085 per month with dependents in 2026, $1,809 without

What this rate means

Things the rate table doesn't tell you