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 $2,730Without $2,367

    O-3 at County Cost Group 820 draws $2,730 per month with dependents in 2026, $2,367 without

    Permalinkbahratedesk.com/county-cost-group-820/o-3/ExcelCSVDownloads cover this station.
    County Cost Group 820
    O-3 · with dependents
    $2,730/ month
    $32,760 / year
    At O-3, this is #142 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA ZZ820 · ZIPs 19503 19504 19505 19506 19507 19508 +227 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,500 / mo gross
    Without dependents here$2,367 / mo
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 820 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,016$1,587
    E-2$2,016$1,587
    E-3$2,016$1,587
    E-4$2,016$1,587
    E-5$2,160$1,764
    E-6$2,490$1,881
    E-7$2,577$2,019
    E-8$2,670$2,232
    E-9$2,817$2,322
    Warrant officer
    W-1$2,508$1,977
    W-2$2,616$2,229
    W-3$2,733$2,337
    W-4$2,847$2,505
    W-5$2,988$2,598
    Officer — prior enlisted
    O-1E$2,592$2,157
    O-2E$2,715$2,301
    O-3E$2,868$2,481
    Officer
    O-1$2,208$1,866
    O-2$2,487$2,118
    O-3$2,730$2,367
    O-4$3,033$2,574
    O-5$3,255$2,625
    O-6$3,279$2,712
    O-7$3,303$2,757
    PCS compareCounty Cost Group 820 · O-3 · $2,730/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$342+$4,104/yr · like +$5,262 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Barstow$2,748
    Atlanta$2,745
    Savannah$2,745
    Salt Lake City$2,742
    County Cost Group 820$2,730
    Charleston$2,721
    Panama City$2,709
    Salem$2,709
    Yakima$2,703
    Anniston$1,686

    County Cost Group 820 is #142 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 8200 – $3,303 / month
    E-1$2,016
    E-2$2,016
    E-3$2,016
    E-4$2,016
    E-5$2,160
    E-6$2,490
    E-7$2,577
    E-8$2,670
    E-9$2,817
    W-1$2,508
    W-2$2,616
    W-3$2,733
    W-4$2,847
    W-5$2,988
    O-1E$2,592
    O-2E$2,715
    O-3E$2,868
    O-1$2,208
    O-2$2,487
    O-3$2,730
    O-4$3,033
    O-5$3,255
    O-6$3,279
    O-7$3,303

    Promoting to O-4 here adds $303 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 820 to Westchester County at O-3 is worth $3,903 a month — about 13 promotions worth of housing allowance, at $303 per grade here.

    02

    Dependency status is worth 15% 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. $2,730 a month of BAH takes more than $2,730 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.