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 Eastern Shore draws $2,238 per month in 2026

    Permalinkbahratedesk.com/eastern-shore-md/o-3/without/ExcelCSVDownloads cover this station.
    Eastern Shore, MD
    O-3 · without dependents
    $2,238/ month
    $26,856 / year
    At O-3, this is #172 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA MD432 · ZIPs 21801 21802 21803 21804 21810 21811 +91 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,869 / mo gross
    Other dependency status here$2,406 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Eastern Shore — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,989$1,602
    E-2$1,989$1,602
    E-3$1,989$1,602
    E-4$1,989$1,602
    E-5$2,121$1,761
    E-6$2,313$1,866
    E-7$2,346$1,992
    E-8$2,382$2,166
    E-9$2,472$2,214
    Warrant officer
    W-1$2,331$1,956
    W-2$2,358$2,163
    W-3$2,409$2,223
    W-4$2,496$2,313
    W-5$2,610$2,352
    Officer — prior enlisted
    O-1E$2,349$2,118
    O-2E$2,397$2,202
    O-3E$2,514$2,304
    Officer
    O-1$2,151$1,854
    O-2$2,310$2,082
    O-3$2,406$2,238
    O-4$2,643$2,337
    O-5$2,820$2,355
    O-6$2,841$2,385
    O-7$2,859$2,424
    PCS compareEastern Shore · O-3 · $2,238/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$405+$4,860/yr · like +$6,231 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Syracuse$2,262
    Memphis$2,253
    Salem$2,253
    Chattanooga$2,247
    Eastern Shore$2,238
    Gainesville$2,238
    Duluth$2,232
    Raleigh$2,232
    Battle Creek$2,220
    Youngstown$1,344

    Eastern Shore is #172 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 Eastern Shore0 – $2,424 / month
    E-1$1,602
    E-2$1,602
    E-3$1,602
    E-4$1,602
    E-5$1,761
    E-6$1,866
    E-7$1,992
    E-8$2,166
    E-9$2,214
    W-1$1,956
    W-2$2,163
    W-3$2,223
    W-4$2,313
    W-5$2,352
    O-1E$2,118
    O-2E$2,202
    O-3E$2,304
    O-1$1,854
    O-2$2,082
    O-3$2,238
    O-4$2,337
    O-5$2,355
    O-6$2,385
    O-7$2,424

    Promoting to O-4 here adds $99 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 Eastern Shore to San Francisco at O-3 is worth $3,093 a month — about 31 promotions worth of housing allowance, at $99 per grade here.

    02

    Dependency status is worth 8% 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. $2,238 a month of BAH takes more than $2,238 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.