What is O-3 BAH at Cheyenne in 2026?

$2,442 per month with dependents ($29,304 per year), effective 01 JAN 2026. Without dependents it is $2,010 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 Cheyenne 2026 — $2,442 with dependents, $2,010 without

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

Cheyenne, WY

O-3 · with dependents

$2,442/ month

$29,304 / year

At O-3, this is #191 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA WY324 · ZIPs 82001 82002 82003 82005 82006 82007 +10 more

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Untaxed — matching it with taxable pay takes$3,131 / mo gross

Without dependents here$2,010 / mo

In government quarters, no dependents$50.10 / mo partial

Cheyenne — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,539	$1,161
E-2	$1,539	$1,161
E-3	$1,539	$1,161
E-4	$1,539	$1,161
E-5	$1,653	$1,326
E-6	$2,217	$1,662
E-7	$2,301	$1,725
E-8	$2,388	$1,791
E-9	$2,520	$1,935
Warrant officer
W-1	$2,238	$1,680
W-2	$2,334	$1,764
W-3	$2,445	$1,956
W-4	$2,547	$2,232
W-5	$2,676	$2,319
Officer — prior enlisted
O-1E	$2,313	$1,734
O-2E	$2,427	$1,899
O-3E	$2,568	$2,211
Officer
O-1	$1,725	$1,422
O-2	$2,211	$1,728
O-3	$2,442	$2,010
O-4	$2,715	$2,298
O-5	$2,916	$2,343
O-6	$2,937	$2,424
O-7	$2,955	$2,463

What this rate means

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

Westchester County$6,633

Fort Drum$2,469

Fort Worth$2,460

Cleveland$2,457

Lemoore NAS$2,451

Cheyenne$2,442

Grand Rapids$2,439

Ocala$2,439

County Cost Group 790$2,433

Des Moines$2,433

Anniston$1,686

Cheyenne is #191 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 Cheyenne0 – $2,955 / month

E-1$1,539

E-2$1,539

E-3$1,539

E-4$1,539

E-5$1,653

E-6$2,217

E-7$2,301

E-8$2,388

E-9$2,520

W-1$2,238

W-2$2,334

W-3$2,445

W-4$2,547

W-5$2,676

O-1E$2,313

O-2E$2,427

O-3E$2,568

O-1$1,725

O-2$2,211

O-3$2,442

O-4$2,715

O-5$2,916

O-6$2,937

O-7$2,955

Promoting to O-4 here adds $273 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 Cheyenne to Westchester County at O-3 is worth $4,191 a month — about 15 promotions worth of housing allowance, at $273 per grade here.

Dependency status is worth 21% 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. $2,442 a month of BAH takes more than $2,442 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 Cheyenne draws $2,442 per month with dependents in 2026, $2,010 without

What this rate means

Things the rate table doesn't tell you