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 $3,432Without $2,991

    O-3E at County Cost Group 870 draws $3,432 per month with dependents in 2026, $2,991 without

    Permalinkbahratedesk.com/county-cost-group-870/o-3e/ExcelCSVDownloads cover this station.
    County Cost Group 870
    O-3E · with dependents
    $3,432/ month
    $41,184 / year
    At O-3E, this is #75 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA ZZ870 · ZIPs 03215 03217 03222 03223 03238 03240 +232 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$4,400 / mo gross
    Without dependents here$2,991 / mo
    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-3E · $3,432/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▼ CUT−$210−$2,520/yr · like −$3,231 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Stockton$3,507
    San Bernardino$3,504
    Eglin AFB$3,468
    New London$3,465
    County Cost Group 870$3,432
    Edwards AFB$3,414
    Fort Detrick$3,399
    Cape May$3,390
    Ballston Spa$3,381
    Youngstown$1,788

    County Cost Group 870 is #75 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 8700 – $3,945 / month
    E-1$2,478
    E-2$2,478
    E-3$2,478
    E-4$2,478
    E-5$2,652
    E-6$2,997
    E-7$3,096
    E-8$3,204
    E-9$3,372
    W-1$3,018
    W-2$3,141
    W-3$3,273
    W-4$3,408
    W-5$3,573
    O-1E$3,114
    O-2E$3,252
    O-3E$3,432
    O-1$2,700
    O-2$2,994
    O-3$3,270
    O-4$3,627
    O-5$3,882
    O-6$3,915
    O-7$3,945

    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. $3,432 a month of BAH takes more than $3,432 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.