What is O-3 BAH at Coos Bay in 2026?

$2,697 per month with dependents ($32,364 per year), effective 01 JAN 2026. Without dependents it is $2,085 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 Coos Bay 2026 — $2,697 with dependents, $2,085 without

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

Coos Bay, OR

O-3 · with dependents

$2,697/ month

$32,364 / year

At O-3, this is #148 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA OR242 · ZIPs 97407 97410 97411 97414 97416 97417 +29 more

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Untaxed — matching it with taxable pay takes$3,458 / mo gross

Without dependents here$2,085 / mo

In government quarters, no dependents$50.10 / mo partial

Coos Bay — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,635	$1,341
E-2	$1,635	$1,341
E-3	$1,635	$1,341
E-4	$1,635	$1,341
E-5	$1,779	$1,428
E-6	$2,214	$1,662
E-7	$2,391	$1,794
E-8	$2,583	$1,938
E-9	$2,772	$2,079
Warrant officer
W-1	$2,238	$1,680
W-2	$2,469	$1,869
W-3	$2,706	$2,082
W-4	$2,796	$2,253
W-5	$2,910	$2,433
Officer — prior enlisted
O-1E	$2,427	$1,821
O-2E	$2,670	$2,004
O-3E	$2,814	$2,208
Officer
O-1	$1,839	$1,488
O-2	$2,211	$1,797
O-3	$2,697	$2,085
O-4	$2,943	$2,400
O-5	$3,117	$2,508
O-6	$3,141	$2,685
O-7	$3,162	$2,730

What this rate means

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

Westchester County$6,633

Panama City$2,709

Salem$2,709

Yakima$2,703

Houston$2,700

Coos Bay$2,697

Gainesville$2,697

Norfolk$2,694

College Station$2,685

Elizabeth City$2,667

Anniston$1,686

Coos Bay is #148 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 Coos Bay0 – $3,162 / month

E-1$1,635

E-2$1,635

E-3$1,635

E-4$1,635

E-5$1,779

E-6$2,214

E-7$2,391

E-8$2,583

E-9$2,772

W-1$2,238

W-2$2,469

W-3$2,706

W-4$2,796

W-5$2,910

O-1E$2,427

O-2E$2,670

O-3E$2,814

O-1$1,839

O-2$2,211

O-3$2,697

O-4$2,943

O-5$3,117

O-6$3,141

O-7$3,162

Promoting to O-4 here adds $246 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 Coos Bay to Westchester County at O-3 is worth $3,936 a month — about 16 promotions worth of housing allowance, at $246 per grade here.

Dependency status is worth 29% 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. $2,697 a month of BAH takes more than $2,697 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 Coos Bay draws $2,697 per month with dependents in 2026, $2,085 without

What this rate means

Things the rate table doesn't tell you