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 880 draws $3,195 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-880/o-3e/without/ExcelCSVDownloads cover this station.
    County Cost Group 880
    O-3E · without dependents
    $3,195/ month
    $38,340 / year
    At O-3E, this is #62 of 338 stations loaded · high San Francisco $5,445 · low Youngstown $1,347
    MHA ZZ880 · ZIPs 05440 05441 05447 05448 05450 05454 +124 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$4,096 / mo gross
    Other dependency status here$3,660 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-3E · $3,195/mo
    Aberdeen Proving Grounds$2,733/mo · $32,796/yr
    ▼ CUT−$462−$5,544/yr · like −$7,108 of salary

    What this rate means

    O-3E without dependents, nearest stations0 – $5,445 / month
    San Francisco$5,445
    Atlantic City$3,285
    Fort G. G. Meade$3,270
    Everett$3,237
    Annapolis$3,219
    County Cost Group 880$3,195
    Sitka$3,189
    Quantico$3,165
    Edwards AFB$3,150
    Beale AFB$3,120
    Youngstown$1,347

    County Cost Group 880 is #62 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 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

    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. $3,195 a month of BAH takes more than $3,195 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.