What is O-3 BAH at Erie in 2026?

$1,872 per month with dependents ($22,464 per year), effective 01 JAN 2026. without dependents it is $1,596 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-3 BAH at Erie 2026 — $1,872/mo with dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Erie, PA

O-3 · with dependents

$1,872/ month

$22,464 / year

At O-3, this is #320 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA PA253 · ZIPs 16401 16407 16410 16411 16412 16413 +40 more

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Untaxed — matching it with taxable pay takes$2,400 / mo gross

Other dependency status here$1,596 without dependents

In government quarters, no dependents$50.10 / mo partial

Erie — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,452	$1,143
E-2	$1,452	$1,143
E-3	$1,452	$1,143
E-4	$1,452	$1,143
E-5	$1,464	$1,329
E-6	$1,680	$1,437
E-7	$1,746	$1,467
E-8	$1,824	$1,515
E-9	$1,929	$1,569
Warrant officer
W-1	$1,695	$1,464
W-2	$1,779	$1,512
W-3	$1,875	$1,578
W-4	$1,950	$1,689
W-5	$2,049	$1,764
Officer — prior enlisted
O-1E	$1,758	$1,473
O-2E	$1,857	$1,554
O-3E	$1,965	$1,668
Officer
O-1	$1,500	$1,434
O-2	$1,677	$1,470
O-3	$1,872	$1,596
O-4	$2,076	$1,743
O-5	$2,226	$1,782
O-6	$2,241	$1,851
O-7	$2,253	$1,881

What this rate means

O-3 with dependents, nearest stations0 – $6,633 / month

Westchester County$6,633

County Cost Group 610$1,902

County Cost Group 600$1,893

County Cost Group 590$1,881

Cannon AFB$1,875

Erie$1,872

County Cost Group 580$1,869

Hattiesburg$1,866

Charleston$1,860

County Cost Group 570$1,857

Anniston$1,686

Erie is #320 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 Erie0 – $2,253 / month

E-1$1,452

E-2$1,452

E-3$1,452

E-4$1,452

E-5$1,464

E-6$1,680

E-7$1,746

E-8$1,824

E-9$1,929

W-1$1,695

W-2$1,779

W-3$1,875

W-4$1,950

W-5$2,049

O-1E$1,758

O-2E$1,857

O-3E$1,965

O-1$1,500

O-2$1,677

O-3$1,872

O-4$2,076

O-5$2,226

O-6$2,241

O-7$2,253

Promoting to O-4 here adds $204 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Erie to Westchester County at O-3 is worth $4,761 a month — about 23 promotions worth of housing allowance, at $204 per grade here.

Dependency status is worth 17% 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.

None of it is taxed. $1,872 a month of BAH takes more than $1,872 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-3 with dependents at Erie draws $1,872 per month in 2026

What this rate means

Things the rate table doesn't tell you