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-3E with dependents at County Cost Group 810 draws $2,757 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-810/o-3e/with/ExcelCSVDownloads cover this station.
    County Cost Group 810
    O-3E · with dependents
    $2,757/ month
    $33,084 / year
    At O-3E, this is #156 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA ZZ810 · ZIPs 13143 13146 13154 14098 14103 14411 +360 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,535 / mo gross
    Other dependency status here$2,379 without dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 810 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,923$1,518
    E-2$1,923$1,518
    E-3$1,923$1,518
    E-4$1,923$1,518
    E-5$2,064$1,683
    E-6$2,388$1,794
    E-7$2,472$1,926
    E-8$2,565$2,133
    E-9$2,706$2,223
    Warrant officer
    W-1$2,406$1,887
    W-2$2,511$2,130
    W-3$2,625$2,238
    W-4$2,736$2,403
    W-5$2,874$2,493
    Officer — prior enlisted
    O-1E$2,487$2,061
    O-2E$2,607$2,202
    O-3E$2,757$2,379
    Officer
    O-1$2,109$1,779
    O-2$2,385$2,022
    O-3$2,622$2,268
    O-4$2,916$2,472
    O-5$3,129$2,520
    O-6$3,153$2,604
    O-7$3,174$2,646
    PCS compareCounty Cost Group 810 · O-3E · $2,757/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$465+$5,580/yr · like +$7,154 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Charleston$2,802
    Panama City$2,802
    Atlanta$2,784
    Omaha$2,769
    County Cost Group 810$2,757
    El Centro$2,751
    State College$2,739
    Fort Stewart$2,736
    Cincinnati$2,724
    Youngstown$1,788

    County Cost Group 810 is #156 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 8100 – $3,174 / month
    E-1$1,923
    E-2$1,923
    E-3$1,923
    E-4$1,923
    E-5$2,064
    E-6$2,388
    E-7$2,472
    E-8$2,565
    E-9$2,706
    W-1$2,406
    W-2$2,511
    W-3$2,625
    W-4$2,736
    W-5$2,874
    O-1E$2,487
    O-2E$2,607
    O-3E$2,757
    O-1$2,109
    O-2$2,385
    O-3$2,622
    O-4$2,916
    O-5$3,129
    O-6$3,153
    O-7$3,174

    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. $2,757 a month of BAH takes more than $2,757 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.