What is E-3 BAH at County Cost Group 640 in 2026?

$1,329 per month with dependents ($15,948 per year), effective 01 JAN 2026. Without dependents it is $1,071 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.

E-3 BAH at County Cost Group 640 2026 — $1,329 with dependents, $1,071 without

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

County Cost Group 640

E-3 · with dependents

$1,329/ month

$15,948 / year

At E-3, this is #301 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134

MHA ZZ640 · ZIPs 14029 14041 14042 14060 14065 14070 +503 more

Your grade is calledARMYPFCUSMCLCplNAVYSNUSAFA1C

Untaxed — matching it with taxable pay takes$1,704 / mo gross

Without dependents here$1,071 / mo

In government quarters, no dependents$50.10 / mo partial

County Cost Group 640 — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,329	$1,071
E-2	$1,329	$1,071
E-3	$1,329	$1,071
E-4	$1,329	$1,071
E-5	$1,434	$1,161
E-6	$1,734	$1,299
E-7	$1,803	$1,353
E-8	$1,878	$1,500
E-9	$1,992	$1,581
Warrant officer
W-1	$1,752	$1,314
W-2	$1,833	$1,497
W-3	$1,929	$1,593
W-4	$2,013	$1,746
W-5	$2,124	$1,821
Officer — prior enlisted
O-1E	$1,815	$1,431
O-2E	$1,914	$1,563
O-3E	$2,031	$1,725
Officer
O-1	$1,476	$1,221
O-2	$1,731	$1,404
O-3	$1,926	$1,623
O-4	$2,154	$1,800
O-5	$2,319	$1,839
O-6	$2,337	$1,908
O-7	$2,349	$1,938

What this rate means

E-3 with dependents, nearest stations0 – $5,067 / month

New York City$5,067

County Cost Group 670$1,356

Springfield$1,356

County Cost Group 660$1,344

County Cost Group 650$1,335

County Cost Group 640$1,329

Saginaw$1,329

Albany$1,326

County Cost Group 630$1,320

Wichita$1,320

Youngstown$1,134

County Cost Group 640 is #301 of 338. The spread between the dearest and cheapest station at this grade is $3,933 a month — $47,196 a year, untaxed.

Every pay grade at County Cost Group 6400 – $2,349 / month

E-1$1,329

E-2$1,329

E-3$1,329

E-4$1,329

E-5$1,434

E-6$1,734

E-7$1,803

E-8$1,878

E-9$1,992

W-1$1,752

W-2$1,833

W-3$1,929

W-4$2,013

W-5$2,124

O-1E$1,815

O-2E$1,914

O-3E$2,031

O-1$1,476

O-2$1,731

O-3$1,926

O-4$2,154

O-5$2,319

O-6$2,337

O-7$2,349

Promoting to E-4 here adds $0 a month. The pay chart moves this allowance far less than the map does.

Dependency status is worth 24% 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. $1,329 a month of BAH takes more than $1,329 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.

E-3 at County Cost Group 640 draws $1,329 per month with dependents in 2026, $1,071 without

What this rate means

Things the rate table doesn't tell you