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 $1,935Without $1,641

    O-3E at County Cost Group 550 draws $1,935 per month with dependents in 2026, $1,641 without

    Permalinkbahratedesk.com/county-cost-group-550/o-3e/ExcelCSVDownloads cover this station.
    County Cost Group 550
    O-3E · with dependents
    $1,935/ month
    $23,220 / year
    At O-3E, this is #327 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA ZZ550 · ZIPs 24224 24225 24237 24260 24266 24280 +394 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,481 / mo gross
    Without dependents here$1,641 / mo
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 550 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,251$1,011
    E-2$1,251$1,011
    E-3$1,251$1,011
    E-4$1,251$1,011
    E-5$1,353$1,092
    E-6$1,650$1,236
    E-7$1,716$1,287
    E-8$1,788$1,416
    E-9$1,899$1,497
    Warrant officer
    W-1$1,668$1,251
    W-2$1,746$1,413
    W-3$1,839$1,509
    W-4$1,920$1,659
    W-5$2,025$1,731
    Officer — prior enlisted
    O-1E$1,728$1,350
    O-2E$1,824$1,479
    O-3E$1,935$1,641
    Officer
    O-1$1,395$1,149
    O-2$1,647$1,323
    O-3$1,836$1,539
    O-4$2,055$1,713
    O-5$2,214$1,749
    O-6$2,229$1,815
    O-7$2,241$1,845
    PCS compareCounty Cost Group 550 · O-3E · $1,935/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$1,287+$15,444/yr · like +$19,800 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    County Cost Group 580$1,971
    Erie$1,965
    County Cost Group 570$1,956
    County Cost Group 560$1,947
    County Cost Group 550$1,935
    County Cost Group 540$1,926
    County Cost Group 530$1,920
    County Cost Group 520$1,914
    County Cost Group 510$1,908
    Youngstown$1,788

    County Cost Group 550 is #327 of 338. The spread between the dearest and cheapest station at this grade is $5,235 a month — $62,820 a year, untaxed.

    Every pay grade at County Cost Group 5500 – $2,241 / month
    E-1$1,251
    E-2$1,251
    E-3$1,251
    E-4$1,251
    E-5$1,353
    E-6$1,650
    E-7$1,716
    E-8$1,788
    E-9$1,899
    W-1$1,668
    W-2$1,746
    W-3$1,839
    W-4$1,920
    W-5$2,025
    O-1E$1,728
    O-2E$1,824
    O-3E$1,935
    O-1$1,395
    O-2$1,647
    O-3$1,836
    O-4$2,055
    O-5$2,214
    O-6$2,229
    O-7$2,241

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    Dependency status is worth 18% 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. $1,935 a month of BAH takes more than $1,935 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.