What is E-3 BAH at County Cost Group 650 in 2026?

$1,335 per month with dependents ($16,020 per year), effective 01 JAN 2026. without dependents it is $1,074 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 650 2026 — $1,335/mo with dependents

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

County Cost Group 650

E-3 · with dependents

$1,335/ month

$16,020 / year

At E-3, this is #300 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134

MHA ZZ650 · ZIPs 16028 16036 16054 16058 16213 16214 +314 more

Your grade is calledARMYPFCUSMCLCplNAVYSNUSAFA1C

Untaxed — matching it with taxable pay takes$1,712 / mo gross

Other dependency status here$1,074 without dependents

In government quarters, no dependents$50.10 / mo partial

County Cost Group 650 — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,335	$1,074
E-2	$1,335	$1,074
E-3	$1,335	$1,074
E-4	$1,335	$1,074
E-5	$1,443	$1,167
E-6	$1,743	$1,305
E-7	$1,812	$1,359
E-8	$1,887	$1,506
E-9	$2,001	$1,590
Warrant officer
W-1	$1,761	$1,320
W-2	$1,842	$1,503
W-3	$1,938	$1,602
W-4	$2,022	$1,752
W-5	$2,133	$1,827
Officer — prior enlisted
O-1E	$1,824	$1,440
O-2E	$1,923	$1,569
O-3E	$2,040	$1,734
Officer
O-1	$1,485	$1,227
O-2	$1,740	$1,410
O-3	$1,935	$1,629
O-4	$2,163	$1,809
O-5	$2,331	$1,848
O-6	$2,346	$1,917
O-7	$2,358	$1,944

What this rate means

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

New York City$5,067

County Cost Group 680$1,365

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

Youngstown$1,134

County Cost Group 650 is #300 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 6500 – $2,358 / month

E-1$1,335

E-2$1,335

E-3$1,335

E-4$1,335

E-5$1,443

E-6$1,743

E-7$1,812

E-8$1,887

E-9$2,001

W-1$1,761

W-2$1,842

W-3$1,938

W-4$2,022

W-5$2,133

O-1E$1,824

O-2E$1,923

O-3E$2,040

O-1$1,485

O-2$1,740

O-3$1,935

O-4$2,163

O-5$2,331

O-6$2,346

O-7$2,358

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. $1,335 a month of BAH takes more than $1,335 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 with dependents at County Cost Group 650 draws $1,335 per month in 2026

What this rate means

Things the rate table doesn't tell you