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 with dependents at County Cost Group 890 draws $3,828 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-890/o-3/with/ExcelCSVDownloads cover this station.
    County Cost Group 890
    O-3 · with dependents
    $3,828/ month
    $45,936 / year
    At O-3, this is #43 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA ZZ890 · ZIPs 20130 20135 22611 22620 22646 22663 +75 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$4,908 / mo gross
    Other dependency status here$3,387 without dependents
    In government quarters, no dependents$50.10 / mo partial
    County Cost Group 890 — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,955$2,295
    E-2$2,955$2,295
    E-3$2,955$2,295
    E-4$2,955$2,295
    E-5$3,156$2,589
    E-6$3,522$2,772
    E-7$3,633$2,961
    E-8$3,753$3,234
    E-9$3,942$3,336
    Warrant officer
    W-1$3,540$2,895
    W-2$3,681$3,231
    W-3$3,831$3,351
    W-4$3,984$3,543
    W-5$4,173$3,660
    Officer — prior enlisted
    O-1E$3,654$3,153
    O-2E$3,807$3,312
    O-3E$4,014$3,513
    Officer
    O-1$3,207$2,751
    O-2$3,519$3,093
    O-3$3,828$3,387
    O-4$4,236$3,633
    O-5$4,530$3,699
    O-6$4,569$3,810
    O-7$4,605$3,876
    PCS compareCounty Cost Group 890 · O-3 · $3,828/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▼ CUT−$756−$9,072/yr · like −$11,631 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Providence$4,008
    West Palm Beach$3,975
    Hawaii County$3,945
    New Haven$3,843
    County Cost Group 890$3,828
    Vandenberg SFB$3,780
    Brunswick$3,762
    Hartford$3,759
    Worcester$3,756
    Anniston$1,686

    County Cost Group 890 is #43 of 338. The spread between the dearest and cheapest station at this grade is $4,947 a month — $59,364 a year, untaxed.

    Every pay grade at County Cost Group 8900 – $4,605 / month
    E-1$2,955
    E-2$2,955
    E-3$2,955
    E-4$2,955
    E-5$3,156
    E-6$3,522
    E-7$3,633
    E-8$3,753
    E-9$3,942
    W-1$3,540
    W-2$3,681
    W-3$3,831
    W-4$3,984
    W-5$4,173
    O-1E$3,654
    O-2E$3,807
    O-3E$4,014
    O-1$3,207
    O-2$3,519
    O-3$3,828
    O-4$4,236
    O-5$4,530
    O-6$4,569
    O-7$4,605

    Promoting to O-4 here adds $408 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 890 to Westchester County at O-3 is worth $2,805 a month — about 7 promotions worth of housing allowance, at $408 per grade here.

    02

    Dependency status is worth 13% 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. $3,828 a month of BAH takes more than $3,828 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.