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-3 without dependents at Coastal Maine draws $2,514 per month in 2026

    Permalinkbahratedesk.com/coastal-maine-me/o-3/without/ExcelCSVDownloads cover this station.
    Coastal Maine, ME
    O-3 · without dependents
    $2,514/ month
    $30,168 / year
    At O-3, this is #122 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA ME141 · ZIPs 04341 04342 04348 04353 04354 04408 +138 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,223 / mo gross
    Other dependency status here$2,868 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Coastal Maine — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,052$1,539
    E-2$2,052$1,539
    E-3$2,052$1,539
    E-4$2,052$1,539
    E-5$2,193$1,770
    E-6$2,697$2,022
    E-7$2,760$2,070
    E-8$2,826$2,298
    E-9$2,919$2,445
    Warrant officer
    W-1$2,718$2,040
    W-2$2,787$2,295
    W-3$2,871$2,463
    W-4$2,937$2,709
    W-5$3,027$2,775
    Officer — prior enlisted
    O-1E$2,769$2,190
    O-2E$2,856$2,412
    O-3E$2,952$2,691
    Officer
    O-1$2,259$1,908
    O-2$2,694$2,148
    O-3$2,868$2,514
    O-4$3,051$2,757
    O-5$3,183$2,790
    O-6$3,207$2,850
    O-7$3,228$2,898
    PCS compareCoastal Maine · O-3 · $2,514/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$129+$1,548/yr · like +$1,985 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Charleston$2,529
    Astoria$2,526
    Richmond$2,526
    Nashville$2,523
    Coastal Maine$2,514
    Rome$2,508
    Norfolk$2,505
    Detroit$2,499
    Whidbey Island$2,499
    Youngstown$1,344

    Coastal Maine is #122 of 338. The spread between the dearest and cheapest station at this grade is $3,987 a month — $47,844 a year, untaxed.

    Every pay grade at Coastal Maine0 – $2,898 / month
    E-1$1,539
    E-2$1,539
    E-3$1,539
    E-4$1,539
    E-5$1,770
    E-6$2,022
    E-7$2,070
    E-8$2,298
    E-9$2,445
    W-1$2,040
    W-2$2,295
    W-3$2,463
    W-4$2,709
    W-5$2,775
    O-1E$2,190
    O-2E$2,412
    O-3E$2,691
    O-1$1,908
    O-2$2,148
    O-3$2,514
    O-4$2,757
    O-5$2,790
    O-6$2,850
    O-7$2,898

    Promoting to O-4 here adds $243 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 Coastal Maine to San Francisco at O-3 is worth $2,817 a month — about 12 promotions worth of housing allowance, at $243 per grade here.

    02

    Dependency status is worth 14% 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. $2,514 a month of BAH takes more than $2,514 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.