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

    Permalinkbahratedesk.com/county-cost-group-820/o-3/without/ExcelCSVDownloads cover this station.
    County Cost Group 820
    O-3 · without dependents
    $2,367/ month
    $28,404 / year
    At O-3, this is #149 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA ZZ820 · ZIPs 19503 19504 19505 19506 19507 19508 +227 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,035 / mo gross
    Other dependency status here$2,730 with dependents
    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 · $2,367/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$276+$3,312/yr · like +$4,246 of salary

    What this rate means

    O-3 without dependents, every station0 – $5,331 / month
    San Francisco$5,331
    Westchester County$5,169
    New York City$5,112
    Northern New Jersey$4,938
    Santa Clara County$4,860
    Nantucket$4,842
    Boston$4,815
    Long Island$4,644
    Maui County$4,608
    Hanscom AFB$4,371
    Martha's Vineyard$4,371
    San Diego$4,248
    Camp Pendleton$4,239
    Kauai County$4,095
    Los Angeles$4,074
    Staten Island$4,038
    Florida Keys$4,017
    Oakland$3,981
    Cape Cod-Plymouth$3,966
    Fort Monmouth$3,888
    West Point$3,882
    Ventura$3,834
    Perth Amboy$3,825
    Honolulu County$3,819
    Trenton$3,786
    Hawaii County$3,744
    Miami$3,738
    Monterey$3,723
    San Luis Obispo$3,675
    Essex CO$3,642
    Marin$3,630
    Seattle$3,627
    Chicago$3,603
    Portsmouth$3,555
    West Palm Beach$3,534
    Washington$3,531
    Vandenberg SFB$3,528
    Burlington$3,516
    New Haven$3,483
    Riverside$3,471
    Portland$3,456
    Vallejo$3,444
    Manchester$3,396
    County Cost Group 890$3,387
    Providence$3,357
    San Bernardino$3,339
    Fitchburg$3,330
    Indian Head Navordsta$3,327
    Warrenton$3,261
    Santa Fe$3,249
    Newport$3,231
    Willow Grove$3,228
    JB McGuire-Dix-Lakehurst$3,219
    Worcester$3,219
    Hartford$3,174
    Fort G. G. Meade$3,138
    Boulder$3,129
    Annapolis$3,114
    Quantico$3,090
    County Cost Group 880$3,072
    Beale AFB$3,066
    Everett$3,063
    Atlantic City$3,060
    Juneau$3,060
    Denver$2,979
    Edwards AFB$2,976
    Cape May$2,955
    Sacramento$2,943
    Fort Detrick$2,922
    Tampa$2,919
    New London$2,892
    Ann Arbor$2,889
    Sitka$2,886
    County Cost Group 870$2,871
    Philadelphia$2,871
    Brunswick$2,856
    Orlando$2,847
    Fort Myers Beach$2,835
    Outer Banks$2,820
    Madison$2,799
    Baltimore$2,793
    Stockton$2,793
    JB Lewis-McChord$2,784
    Ballston Spa$2,775
    Fort Pierce$2,772
    Ketchikan$2,772
    Patrick SFB$2,742
    Port Angeles$2,706
    County Cost Group 860$2,703
    Kodiak Island$2,694
    Minneapolis$2,688
    Fresno$2,685
    Dallas$2,682
    Hampden County$2,682
    Oxford$2,679
    Austin$2,676
    Allentown$2,670
    Beaufort$2,661
    Milwaukee$2,658
    Aberdeen Proving Grounds$2,643
    JB Elmendorf-Richardson$2,643
    Great Lakes Navtracen$2,637
    County Cost Group 850$2,619
    Portland$2,616
    Bremerton$2,595
    Corvallis$2,592
    Eglin AFB$2,592
    Atlanta$2,589
    Charlottesville$2,589
    Reno$2,571
    St. Louis$2,571
    Dahlgren$2,568
    Savannah$2,562
    Bridgeport$2,541
    Elizabeth City$2,538
    Traverse City$2,535
    County Cost Group 840$2,532
    Charleston$2,529
    Astoria$2,526
    Richmond$2,526
    Nashville$2,523
    Coastal Maine$2,514
    Rome$2,508
    Norfolk$2,505
    Detroit$2,499
    Whidbey Island$2,499
    Birmingham$2,490
    Patuxent River$2,490
    Pittsburgh$2,484
    Knoxville$2,481
    Abilene$2,475
    County Cost Group 830$2,457
    Asheville$2,439
    Cincinnati$2,433
    Fort Collins$2,433
    Buffalo$2,427
    Spokane$2,418
    Volusia County$2,415
    Dover AFB$2,409
    Rochester$2,403
    Dahlonega$2,400
    Fort Carson$2,397
    Houston$2,397
    Ocala$2,394
    Phoenix$2,391
    Fort Stewart$2,385
    Eugene$2,370
    Grand Haven$2,370
    County Cost Group 820$2,367
    Hampton$2,361
    Twenty Nine Palms MCB$2,343
    Charlotte$2,337
    Panama City$2,337
    Wilmington$2,334
    Fort Worth$2,310
    Grand Rapids$2,307
    Fairbanks$2,301
    Helena$2,298
    Durham$2,289
    Albuquerque$2,280
    Barstow$2,274
    Salt Lake City$2,271
    County Cost Group 810$2,268
    Omaha$2,268
    Carlisle Barracks$2,265
    Cleveland$2,265
    Myrtle Beach$2,262
    Syracuse$2,262
    Memphis$2,253
    Salem$2,253
    Chattanooga$2,247
    Eastern Shore$2,238
    Gainesville$2,238
    Duluth$2,232
    Raleigh$2,232
    Battle Creek$2,220
    Lemoore NAS$2,220
    Yakima$2,214
    Jacksonville$2,211
    New Orleans$2,202
    Humboldt County$2,193
    Ogden$2,181
    Eastern Panhandle$2,178
    Louisville$2,166
    County Cost Group 800$2,163
    College Station$2,160
    Provo$2,160
    Kings Bay$2,157
    Nellis AFB$2,151
    Boise$2,148
    Rapid City$2,124
    Rock Island$2,118
    Toledo$2,112
    Fargo$2,106
    Columbus$2,103
    Kansas City$2,103
    Pensacola$2,097
    State College$2,097
    County Cost Group 790$2,091
    Coos Bay$2,085
    El Centro$2,085
    Indianapolis$2,085
    Baton Rouge$2,076
    Jackson$2,070
    Corpus Christi$2,061
    Fort Gordon$2,058
    Fort Wayne$2,058
    Des Moines$2,049
    Lexington$2,049
    Davis-Monthan AFB$2,037
    Columbia$2,028
    Fort Bliss$2,022
    Fort Huachuca$2,019
    Greenville$2,019
    County Cost Group 780$2,013
    Fort Leavenworth$2,013
    Roanoke$2,013
    Cheyenne$2,010
    Tallahassee$2,010
    San Antonio (JBSA)$2,007
    Mobile$2,001
    Fort Campbell$1,995
    Greensboro$1,995
    Lincoln$1,992
    Bangor$1,989
    Bismarck$1,980
    Mountain Home AFB$1,977
    Huntsville$1,974
    Morehead$1,971
    Waco$1,971
    Fort Bragg$1,956
    Fort Knox$1,956
    Shreveport$1,956
    Bloomington$1,953
    County Cost Group 770$1,950
    Fayetteville$1,944
    Marquette$1,935
    Johnson City$1,914
    Lansing$1,914
    Fort Drum$1,902
    Grand Forks$1,902
    Little Rock$1,902
    Wichita Fls$1,887
    Auburn$1,884
    County Cost Group 760$1,878
    Fort Benning$1,878
    Sioux Falls$1,854
    Robins AFB$1,842
    White Sands MR$1,842
    County Cost Group 750$1,833
    Fort Hood$1,833
    Scott AFB$1,830
    Tulsa$1,830
    Lexington$1,827
    Wilkes-Barre$1,827
    Minot AFB$1,824
    Champaign$1,818
    Morgantown$1,812
    Whiteman AFB$1,812
    Camp Lejeune$1,809
    Akron$1,797
    Seymour Johnson AFB$1,794
    Fallon NAS$1,785
    Sumter$1,785
    Yuma$1,785
    County Cost Group 740$1,782
    Columbus AFB$1,779
    Sault Ste Marie$1,779
    Topeka$1,776
    Moody AFB$1,773
    Oklahoma City$1,773
    Wright-Patterson AFB$1,773
    Beaumont$1,770
    Fort Rucker$1,767
    Malmstrom SFB$1,767
    Holloman AFB$1,764
    Peoria$1,752
    County Cost Group 730$1,749
    Lafayette$1,746
    Goodfellow AFB$1,740
    Brownsville$1,728
    County Cost Group 720$1,725
    Montgomery$1,725
    Springfield$1,713
    County Cost Group 710$1,704
    Terre Haute$1,701
    China Lake$1,689
    Lubbock$1,689
    Paducah$1,689
    County Cost Group 700$1,686
    Huntington$1,686
    Laughlin AFB$1,686
    Springfield$1,686
    Sparta$1,680
    County Cost Group 690$1,671
    Frankfort$1,665
    County Cost Group 680$1,659
    Columbia$1,656
    Saginaw$1,656
    County Cost Group 670$1,650
    St Mary And Terrebonne$1,647
    County Cost Group 660$1,638
    Charleston$1,632
    County Cost Group 650$1,629
    Fort Leonard Wood$1,629
    County Cost Group 640$1,623
    Gulfport$1,623
    County Cost Group 630$1,614
    Fort Polk$1,611
    Fort Riley$1,611
    County Cost Group 620$1,605
    County Cost Group 610$1,599
    Erie$1,596
    County Cost Group 600$1,593
    County Cost Group 590$1,581
    Stevens Point$1,572
    Wichita$1,572
    County Cost Group 580$1,569
    County Cost Group 570$1,557
    Lake Charles$1,551
    County Cost Group 560$1,548
    County Cost Group 550$1,539
    Alexandria$1,536
    County Cost Group 540$1,530
    Fort Chaffee$1,527
    Meridian$1,527
    County Cost Group 530$1,524
    County Cost Group 520$1,518
    Albany$1,515
    County Cost Group 510$1,515
    Cannon AFB$1,506
    Hattiesburg$1,470
    Monroe$1,470
    Altus AFB$1,449
    Vance AFB$1,443
    Fort Sill$1,395
    Anniston$1,377
    Youngstown$1,344

    County Cost Group 820 is #149 of 338. The spread between the dearest and cheapest station at this grade is $3,987 a month — $47,844 a year, untaxed.

    Every pay grade at County Cost Group 8200 – $2,757 / month
    E-1$1,587
    E-2$1,587
    E-3$1,587
    E-4$1,587
    E-5$1,764
    E-6$1,881
    E-7$2,019
    E-8$2,232
    E-9$2,322
    W-1$1,977
    W-2$2,229
    W-3$2,337
    W-4$2,505
    W-5$2,598
    O-1E$2,157
    O-2E$2,301
    O-3E$2,481
    O-1$1,866
    O-2$2,118
    O-3$2,367
    O-4$2,574
    O-5$2,625
    O-6$2,712
    O-7$2,757

    Promoting to O-4 here adds $207 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 San Francisco at O-3 is worth $2,964 a month — about 14 promotions worth of housing allowance, at $207 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. $2,367 a month of BAH takes more than $2,367 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.