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

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

    Permalinkbahratedesk.com/county-cost-group-640/e-3/without/ExcelCSVDownloads cover this station.
    County Cost Group 640
    E-3 · without dependents
    $1,071/ month
    $12,852 / year
    At E-3, this is #307 of 338 stations loaded · high New York City $4,833 · low Fort Chaffee $879
    MHA ZZ640 · ZIPs 14029 14041 14042 14060 14065 14070 +503 more
    Your grade is calledARMYPFCUSMCLCplNAVYSNUSAFA1C
    Untaxed — matching it with taxable pay takes$1,373 / mo gross
    Other dependency status here$1,329 with dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 640 — full sheetTap a row
    GradeWith 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
    PCS compareCounty Cost Group 640 · E-3 · $1,071/mo
    Aberdeen Proving Grounds$1,875/mo · $22,500/yr
    ▲ RAISE+$804+$9,648/yr · like +$12,369 of salary

    What this rate means

    E-3 without dependents, nearest stations0 – $4,833 / month
    New York City$4,833
    County Cost Group 660$1,083
    Morgantown$1,083
    Saginaw$1,080
    County Cost Group 650$1,074
    County Cost Group 640$1,071
    Anniston$1,065
    County Cost Group 630$1,065
    County Cost Group 620$1,059
    Charleston$1,056
    Fort Chaffee$879

    County Cost Group 640 is #307 of 338. The spread between the dearest and cheapest station at this grade is $3,954 a month — $47,448 a year, untaxed.

    Every pay grade at County Cost Group 6400 – $1,938 / month
    E-1$1,071
    E-2$1,071
    E-3$1,071
    E-4$1,071
    E-5$1,161
    E-6$1,299
    E-7$1,353
    E-8$1,500
    E-9$1,581
    W-1$1,314
    W-2$1,497
    W-3$1,593
    W-4$1,746
    W-5$1,821
    O-1E$1,431
    O-2E$1,563
    O-3E$1,725
    O-1$1,221
    O-2$1,404
    O-3$1,623
    O-4$1,800
    O-5$1,839
    O-6$1,908
    O-7$1,938

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

    01

    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.

    03

    None of it is taxed. $1,071 a month of BAH takes more than $1,071 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.