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 without dependents at County Cost Group 870 draws $2,871 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-870/o-3/without/ExcelCSVDownloads cover this station.
    County Cost Group 870
    O-3 · without dependents
    $2,871/ month
    $34,452 / year
    At O-3, this is #74 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA ZZ870 · ZIPs 03215 03217 03222 03223 03238 03240 +232 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,681 / mo gross
    Other dependency status here$3,270 with dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 870 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,478$1,938
    E-2$2,478$1,938
    E-3$2,478$1,938
    E-4$2,478$1,938
    E-5$2,652$2,172
    E-6$2,997$2,319
    E-7$3,096$2,484
    E-8$3,204$2,727
    E-9$3,372$2,823
    Warrant officer
    W-1$3,018$2,430
    W-2$3,141$2,724
    W-3$3,273$2,838
    W-4$3,408$3,015
    W-5$3,573$3,120
    Officer — prior enlisted
    O-1E$3,114$2,649
    O-2E$3,252$2,802
    O-3E$3,432$2,991
    Officer
    O-1$2,700$2,301
    O-2$2,994$2,598
    O-3$3,270$2,871
    O-4$3,627$3,096
    O-5$3,882$3,153
    O-6$3,915$3,252
    O-7$3,945$3,309
    PCS compareCounty Cost Group 870 · O-3 · $2,871/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▼ CUT−$228−$2,736/yr · like −$3,508 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Tampa$2,919
    New London$2,892
    Ann Arbor$2,889
    Sitka$2,886
    County Cost Group 870$2,871
    Philadelphia$2,871
    Brunswick$2,856
    Orlando$2,847
    Fort Myers Beach$2,835
    Youngstown$1,344

    County Cost Group 870 is #74 of 338. The spread between the dearest and cheapest station at this grade is $3,987 a month — $47,844 a year, untaxed.

    Every pay grade at County Cost Group 8700 – $3,309 / month
    E-1$1,938
    E-2$1,938
    E-3$1,938
    E-4$1,938
    E-5$2,172
    E-6$2,319
    E-7$2,484
    E-8$2,727
    E-9$2,823
    W-1$2,430
    W-2$2,724
    W-3$2,838
    W-4$3,015
    W-5$3,120
    O-1E$2,649
    O-2E$2,802
    O-3E$2,991
    O-1$2,301
    O-2$2,598
    O-3$2,871
    O-4$3,096
    O-5$3,153
    O-6$3,252
    O-7$3,309

    Promoting to O-4 here adds $225 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 870 to San Francisco at O-3 is worth $2,460 a month — about 11 promotions worth of housing allowance, at $225 per grade here.

    02

    Dependency status is worth 14% 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. $2,871 a month of BAH takes more than $2,871 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.