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 $1,848Without $1,548

    O-3 at County Cost Group 560 draws $1,848 per month with dependents in 2026, $1,548 without

    Permalinkbahratedesk.com/county-cost-group-560/o-3/ExcelCSVDownloads cover this station.
    County Cost Group 560
    O-3 · with dependents
    $1,848/ month
    $22,176 / year
    At O-3, this is #325 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA ZZ560 · ZIPs 24053 24076 24082 24120 24133 24171 +476 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,369 / mo gross
    Without dependents here$1,548 / mo
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 560 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,260$1,017
    E-2$1,260$1,017
    E-3$1,260$1,017
    E-4$1,260$1,017
    E-5$1,362$1,101
    E-6$1,659$1,242
    E-7$1,725$1,293
    E-8$1,800$1,425
    E-9$1,908$1,506
    Warrant officer
    W-1$1,677$1,257
    W-2$1,755$1,422
    W-3$1,851$1,521
    W-4$1,932$1,668
    W-5$2,037$1,743
    Officer — prior enlisted
    O-1E$1,737$1,359
    O-2E$1,833$1,488
    O-3E$1,947$1,650
    Officer
    O-1$1,404$1,155
    O-2$1,656$1,332
    O-3$1,848$1,548
    O-4$2,067$1,722
    O-5$2,226$1,761
    O-6$2,241$1,827
    O-7$2,253$1,854
    PCS compareCounty Cost Group 560 · O-3 · $1,848/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$1,224+$14,688/yr · like +$18,831 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    County Cost Group 580$1,869
    Hattiesburg$1,866
    Charleston$1,860
    County Cost Group 570$1,857
    County Cost Group 560$1,848
    Saginaw$1,842
    County Cost Group 550$1,836
    Altus AFB$1,833
    County Cost Group 540$1,827
    Anniston$1,686

    County Cost Group 560 is #325 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 5600 – $2,253 / month
    E-1$1,260
    E-2$1,260
    E-3$1,260
    E-4$1,260
    E-5$1,362
    E-6$1,659
    E-7$1,725
    E-8$1,800
    E-9$1,908
    W-1$1,677
    W-2$1,755
    W-3$1,851
    W-4$1,932
    W-5$2,037
    O-1E$1,737
    O-2E$1,833
    O-3E$1,947
    O-1$1,404
    O-2$1,656
    O-3$1,848
    O-4$2,067
    O-5$2,226
    O-6$2,241
    O-7$2,253

    Promoting to O-4 here adds $219 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 560 to Westchester County at O-3 is worth $4,785 a month — about 22 promotions worth of housing allowance, at $219 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. $1,848 a month of BAH takes more than $1,848 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.