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 $2,469Without $2,121

    O-3E at County Cost Group 780 draws $2,469 per month with dependents in 2026, $2,121 without

    Permalinkbahratedesk.com/county-cost-group-780/o-3e/ExcelCSVDownloads cover this station.
    County Cost Group 780
    O-3E · with dependents
    $2,469/ month
    $29,628 / year
    At O-3E, this is #213 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA ZZ780 · ZIPs 03570 03575 03576 03579 03581 03582 +854 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,165 / mo gross
    Without dependents here$2,121 / mo
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 780 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,689$1,341
    E-2$1,689$1,341
    E-3$1,689$1,341
    E-4$1,689$1,341
    E-5$1,815$1,476
    E-6$2,130$1,596
    E-7$2,208$1,692
    E-8$2,292$1,884
    E-9$2,424$1,971
    Warrant officer
    W-1$2,148$1,656
    W-2$2,244$1,881
    W-3$2,349$1,983
    W-4$2,451$2,142
    W-5$2,577$2,226
    Officer — prior enlisted
    O-1E$2,220$1,812
    O-2E$2,331$1,950
    O-3E$2,469$2,121
    Officer
    O-1$1,860$1,560
    O-2$2,127$1,776
    O-3$2,346$2,013
    O-4$2,613$2,205
    O-5$2,808$2,250
    O-6$2,829$2,328
    O-7$2,847$2,367
    PCS compareCounty Cost Group 780 · O-3E · $2,469/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$753+$9,036/yr · like +$11,585 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Raleigh$2,481
    Duluth$2,478
    Mountain Home AFB$2,478
    Boise$2,475
    County Cost Group 780$2,469
    Jacksonville$2,463
    Ogden$2,454
    Fort Hood$2,451
    Kansas City$2,451
    Youngstown$1,788

    County Cost Group 780 is #213 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 7800 – $2,847 / month
    E-1$1,689
    E-2$1,689
    E-3$1,689
    E-4$1,689
    E-5$1,815
    E-6$2,130
    E-7$2,208
    E-8$2,292
    E-9$2,424
    W-1$2,148
    W-2$2,244
    W-3$2,349
    W-4$2,451
    W-5$2,577
    O-1E$2,220
    O-2E$2,331
    O-3E$2,469
    O-1$1,860
    O-2$2,127
    O-3$2,346
    O-4$2,613
    O-5$2,808
    O-6$2,829
    O-7$2,847

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

    01

    Dependency status is worth 16% 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. $2,469 a month of BAH takes more than $2,469 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.