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 with dependents at County Cost Group 830 draws $2,826 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-830/o-3/with/ExcelCSVDownloads cover this station.
    County Cost Group 830
    O-3 · with dependents
    $2,826/ month
    $33,912 / year
    At O-3, this is #124 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA ZZ830 · ZIPs 06013 06018 06021 06024 06027 06031 +407 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,623 / mo gross
    Other dependency status here$2,457 without dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 830 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,097$1,650
    E-2$2,097$1,650
    E-3$2,097$1,650
    E-4$2,097$1,650
    E-5$2,250$1,839
    E-6$2,580$1,959
    E-7$2,670$2,103
    E-8$2,766$2,319
    E-9$2,916$2,412
    Warrant officer
    W-1$2,598$2,058
    W-2$2,709$2,316
    W-3$2,829$2,427
    W-4$2,946$2,595
    W-5$3,093$2,691
    Officer — prior enlisted
    O-1E$2,685$2,247
    O-2E$2,811$2,391
    O-3E$2,970$2,571
    Officer
    O-1$2,295$1,944
    O-2$2,577$2,202
    O-3$2,826$2,457
    O-4$3,138$2,667
    O-5$3,366$2,721
    O-6$3,393$2,808
    O-7$3,417$2,856
    PCS compareCounty Cost Group 830 · O-3 · $2,826/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$246+$2,952/yr · like +$3,785 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Dahlgren$2,844
    Spokane$2,844
    Humboldt County$2,838
    Asheville$2,835
    County Cost Group 830$2,826
    Twenty Nine Palms MCB$2,814
    Syracuse$2,811
    Fort Collins$2,805
    Reno$2,799
    Anniston$1,686

    County Cost Group 830 is #124 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 8300 – $3,417 / month
    E-1$2,097
    E-2$2,097
    E-3$2,097
    E-4$2,097
    E-5$2,250
    E-6$2,580
    E-7$2,670
    E-8$2,766
    E-9$2,916
    W-1$2,598
    W-2$2,709
    W-3$2,829
    W-4$2,946
    W-5$3,093
    O-1E$2,685
    O-2E$2,811
    O-3E$2,970
    O-1$2,295
    O-2$2,577
    O-3$2,826
    O-4$3,138
    O-5$3,366
    O-6$3,393
    O-7$3,417

    Promoting to O-4 here adds $312 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 830 to Westchester County at O-3 is worth $3,807 a month — about 12 promotions worth of housing allowance, at $312 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. $2,826 a month of BAH takes more than $2,826 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.