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 860 draws $3,246 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-860/o-3e/with/ExcelCSVDownloads cover this station.
    County Cost Group 860
    O-3E · with dependents
    $3,246/ month
    $38,952 / year
    At O-3E, this is #85 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA ZZ860 · ZIPs 01054 01072 01093 01301 01302 01330 +419 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$4,162 / mo gross
    Other dependency status here$2,820 without dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 860 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,325$1,821
    E-2$2,325$1,821
    E-3$2,325$1,821
    E-4$2,325$1,821
    E-5$2,487$2,037
    E-6$2,829$2,172
    E-7$2,922$2,328
    E-8$3,027$2,562
    E-9$3,186$2,655
    Warrant officer
    W-1$2,847$2,277
    W-2$2,964$2,559
    W-3$3,093$2,670
    W-4$3,219$2,844
    W-5$3,378$2,946
    Officer — prior enlisted
    O-1E$2,940$2,484
    O-2E$3,072$2,634
    O-3E$3,246$2,820
    Officer
    O-1$2,535$2,157
    O-2$2,826$2,436
    O-3$3,090$2,703
    O-4$3,429$2,922
    O-5$3,672$2,976
    O-6$3,702$3,072
    O-7$3,729$3,123
    PCS compareCounty Cost Group 860 · O-3E · $3,246/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▼ CUT−$24−$288/yr · like −$369 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Kodiak Island$3,348
    Astoria$3,339
    Denver$3,306
    Baltimore$3,303
    County Cost Group 860$3,246
    Outer Banks$3,246
    Beale AFB$3,231
    Fort Myers Beach$3,228
    Fort Pierce$3,228
    Youngstown$1,788

    County Cost Group 860 is #85 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 8600 – $3,729 / month
    E-1$2,325
    E-2$2,325
    E-3$2,325
    E-4$2,325
    E-5$2,487
    E-6$2,829
    E-7$2,922
    E-8$3,027
    E-9$3,186
    W-1$2,847
    W-2$2,964
    W-3$3,093
    W-4$3,219
    W-5$3,378
    O-1E$2,940
    O-2E$3,072
    O-3E$3,246
    O-1$2,535
    O-2$2,826
    O-3$3,090
    O-4$3,429
    O-5$3,672
    O-6$3,702
    O-7$3,729

    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. $3,246 a month of BAH takes more than $3,246 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.