What is O-3E BAH at Erie in 2026?

$1,965 per month with dependents ($23,580 per year), effective 01 JAN 2026. without dependents it is $1,668 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-3E BAH at Erie 2026 — $1,965/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-3E · with dependents

$1,965/ month

$23,580 / year

At O-3E, this is #324 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788

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

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Untaxed — matching it with taxable pay takes$2,519 / mo gross

Other dependency status here$1,668 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-3E with dependents, nearest stations0 – $7,023 / month

Westchester County$7,023

County Cost Group 590$1,983

Vance AFB$1,977

Altus AFB$1,971

County Cost Group 580$1,971

Erie$1,965

County Cost Group 570$1,956

County Cost Group 560$1,947

County Cost Group 550$1,935

County Cost Group 540$1,926

Youngstown$1,788

Erie is #324 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 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

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

Dependency status is worth 18% 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. $1,965 a month of BAH takes more than $1,965 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-3E with dependents at Erie draws $1,965 per month in 2026

What this rate means

Things the rate table doesn't tell you