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 with dependents at County Cost Group 740 draws $2,097 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-740/o-3/with/ExcelCSVDownloads cover this station.
    County Cost Group 740
    O-3 · with dependents
    $2,097/ month
    $25,164 / year
    At O-3, this is #266 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA ZZ740 · ZIPs 13732 13734 13736 13737 13743 13744 +787 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,688 / mo gross
    Other dependency status here$1,782 without dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 740 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,476$1,179
    E-2$1,476$1,179
    E-3$1,476$1,179
    E-4$1,476$1,179
    E-5$1,590$1,290
    E-6$1,896$1,419
    E-7$1,968$1,476
    E-8$2,049$1,656
    E-9$2,166$1,740
    Warrant officer
    W-1$1,914$1,449
    W-2$2,001$1,653
    W-3$2,100$1,752
    W-4$2,193$1,908
    W-5$2,307$1,986
    Officer — prior enlisted
    O-1E$1,980$1,587
    O-2E$2,085$1,719
    O-3E$2,211$1,887
    Officer
    O-1$1,632$1,359
    O-2$1,893$1,554
    O-3$2,097$1,782
    O-4$2,343$1,965
    O-5$2,520$2,007
    O-6$2,538$2,079
    O-7$2,553$2,112
    PCS compareCounty Cost Group 740 · O-3 · $2,097/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$975+$11,700/yr · like +$15,000 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Laughlin AFB$2,121
    Columbia$2,118
    Sioux Falls$2,106
    Tulsa$2,106
    County Cost Group 740$2,097
    Wright-Patterson AFB$2,097
    Camp Lejeune$2,085
    Wilkes-Barre$2,085
    White Sands MR$2,082
    Anniston$1,686

    County Cost Group 740 is #266 of 338. The spread between the dearest and cheapest station at this grade is $4,947 a month — $59,364 a year, untaxed.

    Every pay grade at County Cost Group 7400 – $2,553 / month
    E-1$1,476
    E-2$1,476
    E-3$1,476
    E-4$1,476
    E-5$1,590
    E-6$1,896
    E-7$1,968
    E-8$2,049
    E-9$2,166
    W-1$1,914
    W-2$2,001
    W-3$2,100
    W-4$2,193
    W-5$2,307
    O-1E$1,980
    O-2E$2,085
    O-3E$2,211
    O-1$1,632
    O-2$1,893
    O-3$2,097
    O-4$2,343
    O-5$2,520
    O-6$2,538
    O-7$2,553

    Promoting to O-4 here adds $246 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 740 to Westchester County at O-3 is worth $4,536 a month — about 18 promotions worth of housing allowance, at $246 per grade here.

    02

    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. $2,097 a month of BAH takes more than $2,097 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.