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 $2,031Without $1,725

    O-3E at County Cost Group 640 draws $2,031 per month with dependents in 2026, $1,725 without

    Permalinkbahratedesk.com/county-cost-group-640/o-3e/ExcelCSVDownloads cover this station.
    County Cost Group 640
    O-3E · with dependents
    $2,031/ month
    $24,372 / year
    At O-3E, this is #309 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA ZZ640 · ZIPs 14029 14041 14042 14060 14065 14070 +503 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,604 / mo gross
    Without dependents here$1,725 / mo
    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 · O-3E · $2,031/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$1,191+$14,292/yr · like +$18,323 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    County Cost Group 670$2,064
    Fort Riley$2,052
    County Cost Group 660$2,049
    County Cost Group 650$2,040
    County Cost Group 640$2,031
    Holloman AFB$2,028
    County Cost Group 630$2,022
    Fort Polk$2,022
    Charleston$2,016
    Youngstown$1,788

    County Cost Group 640 is #309 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 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

    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. $2,031 a month of BAH takes more than $2,031 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.