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 Eglin AFB draws $3,399 per month in 2026

    Permalinkbahratedesk.com/eglin-afb-fl/o-3/with/ExcelCSVDownloads cover this station.
    Eglin AFB, FL
    O-3 · with dependents
    $3,399/ month
    $40,788 / year
    At O-3, this is #68 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA FL056 · ZIPs 32422 32433 32434 32435 32439 32459 +20 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$4,358 / mo gross
    Other dependency status here$2,592 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Eglin AFB — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,340$2,007
    E-2$2,340$2,007
    E-3$2,340$2,007
    E-4$2,340$2,007
    E-5$2,433$2,157
    E-6$2,526$2,250
    E-7$2,841$2,340
    E-8$3,189$2,457
    E-9$3,447$2,586
    Warrant officer
    W-1$2,544$2,322
    W-2$2,985$2,454
    W-3$3,414$2,589
    W-4$3,456$2,604
    W-5$3,516$2,922
    Officer — prior enlisted
    O-1E$2,910$2,430
    O-2E$3,351$2,514
    O-3E$3,468$2,601
    Officer
    O-1$2,451$2,244
    O-2$2,523$2,406
    O-3$3,399$2,592
    O-4$3,528$2,865
    O-5$3,612$3,066
    O-6$3,642$3,393
    O-7$3,669$3,453
    PCS compareEglin AFB · O-3 · $3,399/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▼ CUT−$327−$3,924/yr · like −$5,031 of salary

    What this rate means

    O-3 with dependents, nearest stations0 – $6,633 / month
    Westchester County$6,633
    Hampden County$3,426
    Madison$3,426
    San Bernardino$3,414
    Fort G. G. Meade$3,411
    Eglin AFB$3,399
    JB Elmendorf-Richardson$3,360
    Ann Arbor$3,357
    Ketchikan$3,327
    Quantico$3,327
    Anniston$1,686

    Eglin AFB is #68 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 Eglin AFB0 – $3,669 / month
    E-1$2,340
    E-2$2,340
    E-3$2,340
    E-4$2,340
    E-5$2,433
    E-6$2,526
    E-7$2,841
    E-8$3,189
    E-9$3,447
    W-1$2,544
    W-2$2,985
    W-3$3,414
    W-4$3,456
    W-5$3,516
    O-1E$2,910
    O-2E$3,351
    O-3E$3,468
    O-1$2,451
    O-2$2,523
    O-3$3,399
    O-4$3,528
    O-5$3,612
    O-6$3,642
    O-7$3,669

    Promoting to O-4 here adds $129 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 Eglin AFB to Westchester County at O-3 is worth $3,234 a month — about 25 promotions worth of housing allowance, at $129 per grade here.

    02

    Dependency status is worth 31% 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. $3,399 a month of BAH takes more than $3,399 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.