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 $2,211Without $1,887

    O-3E at County Cost Group 740 draws $2,211 per month with dependents in 2026, $1,887 without

    Permalinkbahratedesk.com/county-cost-group-740/o-3e/ExcelCSVDownloads cover this station.
    County Cost Group 740
    O-3E · with dependents
    $2,211/ month
    $26,532 / year
    At O-3E, this is #265 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA ZZ740 · ZIPs 13732 13734 13736 13737 13743 13744 +787 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,835 / mo gross
    Without dependents here$1,887 / mo
    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-3E · $2,211/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$1,011+$12,132/yr · like +$15,554 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Wright-Patterson AFB$2,259
    Goodfellow AFB$2,256
    Columbia$2,247
    Wilkes-Barre$2,241
    County Cost Group 740$2,211
    Sioux Falls$2,211
    Topeka$2,211
    Camp Lejeune$2,208
    Paducah$2,205
    Youngstown$1,788

    County Cost Group 740 is #265 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 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

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    Dependency status is worth 17% 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. $2,211 a month of BAH takes more than $2,211 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.