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 650 draws $1,734 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-650/o-3e/without/ExcelCSVDownloads cover this station.
    County Cost Group 650
    O-3E · without dependents
    $1,734/ month
    $20,808 / year
    At O-3E, this is #303 of 338 stations loaded · high San Francisco $5,445 · low Youngstown $1,347
    MHA ZZ650 · ZIPs 16028 16036 16054 16058 16213 16214 +314 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,223 / mo gross
    Other dependency status here$2,040 with dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 650 — full sheetTap a row
    GradeWith 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
    PCS compareCounty Cost Group 650 · O-3E · $1,734/mo
    Aberdeen Proving Grounds$2,733/mo · $32,796/yr
    ▲ RAISE+$999+$11,988/yr · like +$15,369 of salary

    What this rate means

    O-3E without dependents, nearest stations0 – $5,445 / month
    San Francisco$5,445
    County Cost Group 670$1,755
    Montgomery$1,746
    County Cost Group 660$1,743
    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
    Youngstown$1,347

    County Cost Group 650 is #303 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 6500 – $1,944 / month
    E-1$1,074
    E-2$1,074
    E-3$1,074
    E-4$1,074
    E-5$1,167
    E-6$1,305
    E-7$1,359
    E-8$1,506
    E-9$1,590
    W-1$1,320
    W-2$1,503
    W-3$1,602
    W-4$1,752
    W-5$1,827
    O-1E$1,440
    O-2E$1,569
    O-3E$1,734
    O-1$1,227
    O-2$1,410
    O-3$1,629
    O-4$1,809
    O-5$1,848
    O-6$1,917
    O-7$1,944

    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. $1,734 a month of BAH takes more than $1,734 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.