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 $1,809Without $1,515

    O-3 at County Cost Group 510 draws $1,809 per month with dependents in 2026, $1,515 without

    Permalinkbahratedesk.com/county-cost-group-510/o-3/ExcelCSVDownloads cover this station.
    County Cost Group 510
    O-3 · with dependents
    $1,809/ month
    $21,708 / year
    At O-3, this is #333 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA ZZ510 · ZIPs 23938 23941 23944 23952 23974 24054 +2429 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,319 / mo gross
    Without dependents here$1,515 / mo
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 510 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,230$996
    E-2$1,230$996
    E-3$1,230$996
    E-4$1,230$996
    E-5$1,329$1,074
    E-6$1,626$1,218
    E-7$1,692$1,269
    E-8$1,764$1,392
    E-9$1,872$1,473
    Warrant officer
    W-1$1,644$1,233
    W-2$1,722$1,389
    W-3$1,812$1,485
    W-4$1,893$1,635
    W-5$1,998$1,707
    Officer — prior enlisted
    O-1E$1,701$1,326
    O-2E$1,797$1,455
    O-3E$1,908$1,617
    Officer
    O-1$1,371$1,128
    O-2$1,623$1,299
    O-3$1,809$1,515
    O-4$2,025$1,689
    O-5$2,184$1,725
    O-6$2,199$1,791
    O-7$2,211$1,818
    PCS compareCounty Cost Group 510 · O-3 · $1,809/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$1,263+$15,156/yr · like +$19,431 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    County Cost Group 540$1,827
    County Cost Group 530$1,821
    Vance AFB$1,818
    County Cost Group 520$1,815
    County Cost Group 510$1,809
    Youngstown$1,767
    Fort Sill$1,758
    Stevens Point$1,746
    Monroe$1,728
    Anniston$1,686

    County Cost Group 510 is #333 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 County Cost Group 5100 – $2,211 / month
    E-1$1,230
    E-2$1,230
    E-3$1,230
    E-4$1,230
    E-5$1,329
    E-6$1,626
    E-7$1,692
    E-8$1,764
    E-9$1,872
    W-1$1,644
    W-2$1,722
    W-3$1,812
    W-4$1,893
    W-5$1,998
    O-1E$1,701
    O-2E$1,797
    O-3E$1,908
    O-1$1,371
    O-2$1,623
    O-3$1,809
    O-4$2,025
    O-5$2,184
    O-6$2,199
    O-7$2,211

    Promoting to O-4 here adds $216 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 County Cost Group 510 to Westchester County at O-3 is worth $4,824 a month — about 22 promotions worth of housing allowance, at $216 per grade here.

    02

    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. $1,809 a month of BAH takes more than $1,809 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.