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 850 draws $3,003 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-850/o-3/with/ExcelCSVDownloads cover this station.
    County Cost Group 850
    O-3 · with dependents
    $3,003/ month
    $36,036 / year
    At O-3, this is #104 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA ZZ850 · ZIPs 08302 08311 08313 08314 08315 08316 +288 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,850 / mo gross
    Other dependency status here$2,619 without dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 850 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,247$1,764
    E-2$2,247$1,764
    E-3$2,247$1,764
    E-4$2,247$1,764
    E-5$2,409$1,968
    E-6$2,745$2,100
    E-7$2,838$2,253
    E-8$2,940$2,481
    E-9$3,096$2,574
    Warrant officer
    W-1$2,763$2,205
    W-2$2,880$2,478
    W-3$3,006$2,589
    W-4$3,129$2,763
    W-5$3,282$2,859
    Officer — prior enlisted
    O-1E$2,853$2,406
    O-2E$2,985$2,553
    O-3E$3,153$2,736
    Officer
    O-1$2,454$2,085
    O-2$2,742$2,358
    O-3$3,003$2,619
    O-4$3,330$2,838
    O-5$3,570$2,892
    O-6$3,600$2,982
    O-7$3,624$3,033
    PCS compareCounty Cost Group 850 · O-3 · $3,003/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$69+$828/yr · like +$1,062 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Portland$3,030
    Bridgeport$3,018
    Great Lakes Navtracen$3,018
    Philadelphia$3,015
    County Cost Group 850$3,003
    Orlando$2,997
    Oxford$2,985
    Fairbanks$2,937
    Fresno$2,937
    Anniston$1,686

    County Cost Group 850 is #104 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 8500 – $3,624 / month
    E-1$2,247
    E-2$2,247
    E-3$2,247
    E-4$2,247
    E-5$2,409
    E-6$2,745
    E-7$2,838
    E-8$2,940
    E-9$3,096
    W-1$2,763
    W-2$2,880
    W-3$3,006
    W-4$3,129
    W-5$3,282
    O-1E$2,853
    O-2E$2,985
    O-3E$3,153
    O-1$2,454
    O-2$2,742
    O-3$3,003
    O-4$3,330
    O-5$3,570
    O-6$3,600
    O-7$3,624

    Promoting to O-4 here adds $327 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 850 to Westchester County at O-3 is worth $3,630 a month — about 11 promotions worth of housing allowance, at $327 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. $3,003 a month of BAH takes more than $3,003 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.