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 with dependents at County Cost Group 890 draws $4,014 per month in 2026

    Permalinkbahratedesk.com/county-cost-group-890/o-3e/with/ExcelCSVDownloads cover this station.
    County Cost Group 890
    O-3E · with dependents
    $4,014/ month
    $48,168 / year
    At O-3E, this is #43 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA ZZ890 · ZIPs 20130 20135 22611 22620 22646 22663 +75 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$5,146 / mo gross
    Other dependency status here$3,513 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-3E · $4,014/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▼ CUT−$792−$9,504/yr · like −$12,185 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    West Palm Beach$4,191
    Providence$4,152
    New Haven$4,038
    Hawaii County$4,026
    County Cost Group 890$4,014
    Worcester$4,002
    Vandenberg SFB$3,933
    Hartford$3,930
    Warrenton$3,912
    Youngstown$1,788

    County Cost Group 890 is #43 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 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

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    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. $4,014 a month of BAH takes more than $4,014 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.