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 without dependents at County Cost Group 860 draws $2,820 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-860/o-3e/without/ExcelCSVDownloads cover this station.
    County Cost Group 860
    O-3E · without dependents
    $2,820/ month
    $33,840 / year
    At O-3E, this is #92 of 338 stations loaded · high San Francisco $5,445 · low Youngstown $1,347
    MHA ZZ860 · ZIPs 01054 01072 01093 01301 01302 01330 +419 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,615 / mo gross
    Other dependency status here$3,246 with 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 · $2,820/mo
    Aberdeen Proving Grounds$2,733/mo · $32,796/yr
    ▼ CUT−$87−$1,044/yr · like −$1,338 of salary

    What this rate means

    O-3E without dependents, nearest stations0 – $5,445 / month
    San Francisco$5,445
    Ketchikan$2,847
    Hampden County$2,844
    Kodiak Island$2,844
    Allentown$2,835
    County Cost Group 860$2,820
    Fresno$2,820
    Fort Pierce$2,817
    Abilene$2,814
    Oxford$2,808
    Youngstown$1,347

    County Cost Group 860 is #92 of 338. The spread between the dearest and cheapest station at this grade is $4,098 a month — $49,176 a year, untaxed.

    Every pay grade at County Cost Group 8600 – $3,123 / month
    E-1$1,821
    E-2$1,821
    E-3$1,821
    E-4$1,821
    E-5$2,037
    E-6$2,172
    E-7$2,328
    E-8$2,562
    E-9$2,655
    W-1$2,277
    W-2$2,559
    W-3$2,670
    W-4$2,844
    W-5$2,946
    O-1E$2,484
    O-2E$2,634
    O-3E$2,820
    O-1$2,157
    O-2$2,436
    O-3$2,703
    O-4$2,922
    O-5$2,976
    O-6$3,072
    O-7$3,123

    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. $2,820 a month of BAH takes more than $2,820 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.