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-3E without dependents at County Cost Group 630 draws $1,719 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-630/o-3e/without/ExcelCSVDownloads cover this station.
    County Cost Group 630
    O-3E · without dependents
    $1,719/ month
    $20,628 / year
    At O-3E, this is #306 of 338 stations loaded · high San Francisco $5,445 · low Youngstown $1,347
    MHA ZZ630 · ZIPs 15521 15522 15533 15534 15535 15537 +514 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,204 / mo gross
    Other dependency status here$2,022 with dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 630 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,320$1,065
    E-2$1,320$1,065
    E-3$1,320$1,065
    E-4$1,320$1,065
    E-5$1,425$1,155
    E-6$1,725$1,293
    E-7$1,794$1,347
    E-8$1,869$1,491
    E-9$1,983$1,572
    Warrant officer
    W-1$1,746$1,311
    W-2$1,827$1,488
    W-3$1,920$1,587
    W-4$2,004$1,737
    W-5$2,112$1,812
    Officer — prior enlisted
    O-1E$1,806$1,422
    O-2E$1,905$1,554
    O-3E$2,022$1,719
    Officer
    O-1$1,470$1,215
    O-2$1,722$1,395
    O-3$1,917$1,614
    O-4$2,145$1,791
    O-5$2,310$1,830
    O-6$2,325$1,899
    O-7$2,340$1,929
    PCS compareCounty Cost Group 630 · O-3E · $1,719/mo
    Aberdeen Proving Grounds$2,733/mo · $32,796/yr
    ▲ RAISE+$1,014+$12,168/yr · like +$15,600 of salary

    What this rate means

    O-3E without dependents, nearest stations0 – $5,445 / month
    San Francisco$5,445
    Saginaw$1,740
    County Cost Group 650$1,734
    Laughlin AFB$1,731
    County Cost Group 640$1,725
    County Cost Group 630$1,719
    Fort Leonard Wood$1,713
    County Cost Group 620$1,710
    County Cost Group 610$1,701
    Stevens Point$1,701
    Youngstown$1,347

    County Cost Group 630 is #306 of 338. The spread between the dearest and cheapest station at this grade is $4,098 a month — $49,176 a year, untaxed.

    Every pay grade at County Cost Group 6300 – $1,929 / month
    E-1$1,065
    E-2$1,065
    E-3$1,065
    E-4$1,065
    E-5$1,155
    E-6$1,293
    E-7$1,347
    E-8$1,491
    E-9$1,572
    W-1$1,311
    W-2$1,488
    W-3$1,587
    W-4$1,737
    W-5$1,812
    O-1E$1,422
    O-2E$1,554
    O-3E$1,719
    O-1$1,215
    O-2$1,395
    O-3$1,614
    O-4$1,791
    O-5$1,830
    O-6$1,899
    O-7$1,929

    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. $1,719 a month of BAH takes more than $1,719 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.