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 880 draws $3,072 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-880/o-3/without/ExcelCSVDownloads cover this station.
    County Cost Group 880
    O-3 · without dependents
    $3,072/ month
    $36,864 / year
    At O-3, this is #60 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA ZZ880 · ZIPs 05440 05441 05447 05448 05450 05454 +124 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,938 / mo gross
    Other dependency status here$3,489 with dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 880 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,664$2,079
    E-2$2,664$2,079
    E-3$2,664$2,079
    E-4$2,664$2,079
    E-5$2,850$2,337
    E-6$3,204$2,496
    E-7$3,306$2,670
    E-8$3,420$2,925
    E-9$3,594$3,024
    Warrant officer
    W-1$3,222$2,610
    W-2$3,354$2,922
    W-3$3,492$3,039
    W-4$3,633$3,222
    W-5$3,807$3,330
    Officer — prior enlisted
    O-1E$3,324$2,847
    O-2E$3,471$3,003
    O-3E$3,660$3,195
    Officer
    O-1$2,898$2,478
    O-2$3,201$2,790
    O-3$3,489$3,072
    O-4$3,864$3,306
    O-5$4,137$3,369
    O-6$4,170$3,471
    O-7$4,203$3,531
    PCS compareCounty Cost Group 880 · O-3 · $3,072/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▼ CUT−$429−$5,148/yr · like −$6,600 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Fort G. G. Meade$3,138
    Boulder$3,129
    Annapolis$3,114
    Quantico$3,090
    County Cost Group 880$3,072
    Beale AFB$3,066
    Everett$3,063
    Atlantic City$3,060
    Juneau$3,060
    Youngstown$1,344

    County Cost Group 880 is #60 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 8800 – $3,531 / month
    E-1$2,079
    E-2$2,079
    E-3$2,079
    E-4$2,079
    E-5$2,337
    E-6$2,496
    E-7$2,670
    E-8$2,925
    E-9$3,024
    W-1$2,610
    W-2$2,922
    W-3$3,039
    W-4$3,222
    W-5$3,330
    O-1E$2,847
    O-2E$3,003
    O-3E$3,195
    O-1$2,478
    O-2$2,790
    O-3$3,072
    O-4$3,306
    O-5$3,369
    O-6$3,471
    O-7$3,531

    Promoting to O-4 here adds $234 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 880 to San Francisco at O-3 is worth $2,259 a month — about 10 promotions worth of housing allowance, at $234 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. $3,072 a month of BAH takes more than $3,072 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.