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 $2,559Without $2,202

    O-3E at County Cost Group 790 draws $2,559 per month with dependents in 2026, $2,202 without

    Permalinkbahratedesk.com/county-cost-group-790/o-3e/ExcelCSVDownloads cover this station.
    County Cost Group 790
    O-3E · with dependents
    $2,559/ month
    $30,708 / year
    At O-3E, this is #190 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA ZZ790 · ZIPs 04225 04227 04234 04239 04262 04285 +785 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,281 / mo gross
    Without dependents here$2,202 / mo
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 790 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,761$1,395
    E-2$1,761$1,395
    E-3$1,761$1,395
    E-4$1,761$1,395
    E-5$1,890$1,542
    E-6$2,208$1,656
    E-7$2,289$1,764
    E-8$2,376$1,959
    E-9$2,511$2,049
    Warrant officer
    W-1$2,229$1,728
    W-2$2,325$1,956
    W-3$2,436$2,061
    W-4$2,538$2,223
    W-5$2,667$2,307
    Officer — prior enlisted
    O-1E$2,304$1,887
    O-2E$2,418$2,028
    O-3E$2,559$2,202
    Officer
    O-1$1,938$1,626
    O-2$2,205$1,851
    O-3$2,433$2,091
    O-4$2,706$2,286
    O-5$2,907$2,334
    O-6$2,928$2,412
    O-7$2,949$2,451
    PCS compareCounty Cost Group 790 · O-3E · $2,559/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$663+$7,956/yr · like +$10,200 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Grand Rapids$2,571
    Cheyenne$2,568
    Waco$2,568
    Ocala$2,565
    County Cost Group 790$2,559
    Des Moines$2,559
    Fort Drum$2,559
    Fort Knox$2,559
    Auburn$2,556
    Youngstown$1,788

    County Cost Group 790 is #190 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 7900 – $2,949 / month
    E-1$1,761
    E-2$1,761
    E-3$1,761
    E-4$1,761
    E-5$1,890
    E-6$2,208
    E-7$2,289
    E-8$2,376
    E-9$2,511
    W-1$2,229
    W-2$2,325
    W-3$2,436
    W-4$2,538
    W-5$2,667
    O-1E$2,304
    O-2E$2,418
    O-3E$2,559
    O-1$1,938
    O-2$2,205
    O-3$2,433
    O-4$2,706
    O-5$2,907
    O-6$2,928
    O-7$2,949

    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. $2,559 a month of BAH takes more than $2,559 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.