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-3 without dependents at County Cost Group 680 draws $1,659 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-680/o-3/without/ExcelCSVDownloads cover this station.
    County Cost Group 680
    O-3 · without dependents
    $1,659/ month
    $19,908 / year
    At O-3, this is #297 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA ZZ680 · ZIPs 15411 15424 15485 15501 15502 15510 +444 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,127 / mo gross
    Other dependency status here$1,968 with dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 680 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,365$1,095
    E-2$1,365$1,095
    E-3$1,365$1,095
    E-4$1,365$1,095
    E-5$1,470$1,191
    E-6$1,773$1,329
    E-7$1,842$1,383
    E-8$1,920$1,536
    E-9$2,034$1,620
    Warrant officer
    W-1$1,791$1,344
    W-2$1,875$1,533
    W-3$1,971$1,632
    W-4$2,058$1,785
    W-5$2,166$1,860
    Officer — prior enlisted
    O-1E$1,854$1,467
    O-2E$1,956$1,602
    O-3E$2,073$1,764
    Officer
    O-1$1,515$1,254
    O-2$1,770$1,440
    O-3$1,968$1,659
    O-4$2,199$1,839
    O-5$2,367$1,878
    O-6$2,385$1,947
    O-7$2,397$1,980
    PCS compareCounty Cost Group 680 · O-3 · $1,659/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$984+$11,808/yr · like +$15,138 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Springfield$1,686
    Sparta$1,680
    County Cost Group 690$1,671
    Frankfort$1,665
    County Cost Group 680$1,659
    Columbia$1,656
    Saginaw$1,656
    County Cost Group 670$1,650
    St Mary And Terrebonne$1,647
    Youngstown$1,344

    County Cost Group 680 is #297 of 338. The spread between the dearest and cheapest station at this grade is $3,987 a month — $47,844 a year, untaxed.

    Every pay grade at County Cost Group 6800 – $1,980 / month
    E-1$1,095
    E-2$1,095
    E-3$1,095
    E-4$1,095
    E-5$1,191
    E-6$1,329
    E-7$1,383
    E-8$1,536
    E-9$1,620
    W-1$1,344
    W-2$1,533
    W-3$1,632
    W-4$1,785
    W-5$1,860
    O-1E$1,467
    O-2E$1,602
    O-3E$1,764
    O-1$1,254
    O-2$1,440
    O-3$1,659
    O-4$1,839
    O-5$1,878
    O-6$1,947
    O-7$1,980

    Promoting to O-4 here adds $180 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from County Cost Group 680 to San Francisco at O-3 is worth $3,672 a month — about 20 promotions worth of housing allowance, at $180 per grade here.

    02

    Dependency status is worth 19% 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. $1,659 a month of BAH takes more than $1,659 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.