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
    Dependents

    E-3 without dependents at Champaign draws $1,230 per month in 2026

    Permalinkbahratedesk.com/champaign-urbana-il/e-3/without/ExcelCSVDownloads cover this station.
    Champaign/Urbana, IL
    E-3 · without dependents
    $1,230/ month
    $14,760 / year
    At E-3, this is #258 of 338 stations loaded · high New York City $4,833 · low Fort Chaffee $879
    MHA IL088 · ZIPs 60949 61801 61802 61803 61815 61816 +27 more
    Your grade is calledARMYPFCUSMCLCplNAVYSNUSAFA1C
    Untaxed — matching it with taxable pay takes$1,577 / mo gross
    Other dependency status here$1,467 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Champaign — full sheetTap a row
    PCS compareChampaign · E-3 · $1,230/mo
    Aberdeen Proving Grounds$1,875/mo · $22,500/yr
    ▲ RAISE+$645+$7,740/yr · like +$9,923 of salary

    What this rate means

    E-3 without dependents, nearest stations0 – $4,833 / month
    New York City$4,833
    Tulsa$1,236
    Grand Forks$1,233
    Scott AFB$1,233
    St Mary And Terrebonne$1,233
    Champaign$1,230
    Lansing$1,224
    Wright-Patterson AFB$1,224
    Marquette$1,221
    County Cost Group 750$1,215
    Fort Chaffee$879

    Champaign is #258 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 a year, untaxed.

    Every pay grade at Champaign0 – $2,145 / month
    E-1$1,230
    E-2$1,230
    E-3$1,230
    E-4$1,230
    E-5$1,329
    E-6$1,485
    E-7$1,527
    E-8$1,632
    E-9$1,761
    W-1$1,500
    W-2$1,629
    W-3$1,776
    W-4$1,989
    W-5$2,046
    O-1E$1,536
    O-2E$1,731
    O-3E$1,974
    O-1$1,392
    O-2$1,530
    O-3$1,818
    O-4$2,028
    O-5$2,115
    O-6$2,130
    O-7$2,145

    Promoting to E-4 here adds $0 a month. The pay chart moves this allowance far less than the map does.

    01

    Dependency status is worth 19% 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. $1,230 a month of BAH takes more than $1,230 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.