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 $3,486Without $2,886

    O-6 at County Cost Group 840 draws $3,486 per month with dependents in 2026, $2,886 without

    Permalinkbahratedesk.com/county-cost-group-840/o-6/ExcelCSVDownloads cover this station.
    County Cost Group 840
    O-6 · with dependents
    $3,486/ month
    $41,832 / year
    At O-6, this is #107 of 338 stations loaded · high Westchester County $8,136 · low Youngstown $1,839
    MHA ZZ840 · ZIPs 23002 23005 23009 23011 23014 23015 +189 more
    Your grade is calledARMYCOLUSMCColNAVYCAPTUSAFCol
    Untaxed — matching it with taxable pay takes$4,469 / mo gross
    Without dependents here$2,886 / mo
    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-6 · $3,486/mo
    Aberdeen Proving Grounds$3,660/mo · $43,920/yr
    ▲ RAISE+$174+$2,088/yr · like +$2,677 of salary

    What this rate means

    O-6 with dependents, nearest stations0 – $8,136 / month
    Westchester County$8,136
    Beale AFB$3,522
    Knoxville$3,519
    JB Lewis-McChord$3,501
    Allentown$3,492
    County Cost Group 840$3,486
    Beaufort$3,465
    Port Angeles$3,462
    Fresno$3,441
    Bremerton$3,438
    Youngstown$1,839

    County Cost Group 840 is #107 of 338. The spread between the dearest and cheapest station at this grade is $6,297 a month — $75,564 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

    Promoting to O-7 here adds $24 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 840 to Westchester County at O-6 is worth $4,650 a month — about 194 promotions worth of housing allowance, at $24 per grade here.

    02

    Dependency status is worth 21% 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. $3,486 a month of BAH takes more than $3,486 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.