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 840 draws $3,051 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-840/o-3e/with/ExcelCSVDownloads cover this station.
    County Cost Group 840
    O-3E · with dependents
    $3,051/ month
    $36,612 / year
    At O-3E, this is #111 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA ZZ840 · ZIPs 23002 23005 23009 23011 23014 23015 +189 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,912 / mo gross
    Other dependency status here$2,646 without dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 840 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,166$1,701
    E-2$2,166$1,701
    E-3$2,166$1,701
    E-4$2,166$1,701
    E-5$2,322$1,896
    E-6$2,655$2,022
    E-7$2,745$2,169
    E-8$2,844$2,394
    E-9$2,997$2,487
    Warrant officer
    W-1$2,673$2,124
    W-2$2,787$2,391
    W-3$2,910$2,499
    W-4$3,030$2,670
    W-5$3,180$2,766
    Officer — prior enlisted
    O-1E$2,760$2,319
    O-2E$2,889$2,463
    O-3E$3,051$2,646
    Officer
    O-1$2,367$2,007
    O-2$2,652$2,274
    O-3$2,907$2,532
    O-4$3,225$2,745
    O-5$3,459$2,796
    O-6$3,486$2,886
    O-7$3,510$2,937
    PCS compareCounty Cost Group 840 · O-3E · $3,051/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$171+$2,052/yr · like +$2,631 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Dover AFB$3,069
    Fairbanks$3,066
    Fresno$3,063
    Knoxville$3,060
    County Cost Group 840$3,051
    Orlando$3,045
    Minneapolis$3,033
    Dahlgren$3,027
    Allentown$3,015
    Youngstown$1,788

    County Cost Group 840 is #111 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 8400 – $3,510 / month
    E-1$2,166
    E-2$2,166
    E-3$2,166
    E-4$2,166
    E-5$2,322
    E-6$2,655
    E-7$2,745
    E-8$2,844
    E-9$2,997
    W-1$2,673
    W-2$2,787
    W-3$2,910
    W-4$3,030
    W-5$3,180
    O-1E$2,760
    O-2E$2,889
    O-3E$3,051
    O-1$2,367
    O-2$2,652
    O-3$2,907
    O-4$3,225
    O-5$3,459
    O-6$3,486
    O-7$3,510

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    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. $3,051 a month of BAH takes more than $3,051 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.