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
    With $4,419Without $3,966

    O-3 at Cape Cod-Plymouth draws $4,419 per month with dependents in 2026, $3,966 without

    Permalinkbahratedesk.com/cape-cod-plymouth-ma/o-3/ExcelCSVDownloads cover this station.
    Cape Cod-Plymouth, MA
    O-3 · with dependents
    $4,419/ month
    $53,028 / year
    At O-3, this is #23 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA MA124 · ZIPs 02018 02020 02040 02041 02044 02047 +104 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$5,665 / mo gross
    Without dependents here$3,966 / mo
    In government quarters, no dependents$50.10 / mo partial
    Cape Cod-Plymouth — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$3,696$2,949
    E-2$3,696$2,949
    E-3$3,696$2,949
    E-4$3,696$2,949
    E-5$3,924$3,285
    E-6$3,999$3,492
    E-7$4,149$3,705
    E-8$4,317$3,948
    E-9$4,548$3,954
    Warrant officer
    W-1$4,014$3,627
    W-2$4,218$3,945
    W-3$4,425$3,960
    W-4$4,596$4,026
    W-5$4,803$4,188
    Officer — prior enlisted
    O-1E$4,179$3,921
    O-2E$4,395$3,951
    O-3E$4,626$3,987
    Officer
    O-1$3,942$3,465
    O-2$3,996$3,852
    O-3$4,419$3,966
    O-4$4,872$4,155
    O-5$5,196$4,248
    O-6$5,241$4,404
    O-7$5,283$4,485
    PCS compareCape Cod-Plymouth · O-3 · $4,419/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▼ CUT−$1,347−$16,164/yr · like −$20,723 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    San Diego$4,518
    Portsmouth$4,461
    Miami$4,437
    Honolulu County$4,428
    Cape Cod-Plymouth$4,419
    West Point$4,380
    Oakland$4,362
    Trenton$4,362
    Fort Monmouth$4,332
    Anniston$1,686

    Cape Cod-Plymouth is #23 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 Cape Cod-Plymouth0 – $5,283 / month
    E-1$3,696
    E-2$3,696
    E-3$3,696
    E-4$3,696
    E-5$3,924
    E-6$3,999
    E-7$4,149
    E-8$4,317
    E-9$4,548
    W-1$4,014
    W-2$4,218
    W-3$4,425
    W-4$4,596
    W-5$4,803
    O-1E$4,179
    O-2E$4,395
    O-3E$4,626
    O-1$3,942
    O-2$3,996
    O-3$4,419
    O-4$4,872
    O-5$5,196
    O-6$5,241
    O-7$5,283

    Promoting to O-4 here adds $453 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 Cape Cod-Plymouth to Westchester County at O-3 is worth $2,214 a month — about 5 promotions worth of housing allowance, at $453 per grade here.

    02

    Dependency status is worth 11% 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. $4,419 a month of BAH takes more than $4,419 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.