What is O-3 BAH at Fallon NAS in 2026?

$2,319 per month with dependents ($27,828 per year), effective 01 JAN 2026. Without dependents it is $1,785 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 Fallon NAS 2026 — $2,319 with dependents, $1,785 without

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

Fallon NAS, NV

O-3 · with dependents

$2,319/ month

$27,828 / year

At O-3, this is #220 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA NV211 · ZIPs 89406 89407 89408 89429 89496

Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt

Untaxed — matching it with taxable pay takes$2,973 / mo gross

Without dependents here$1,785 / mo

In government quarters, no dependents$50.10 / mo partial

Fallon NAS — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,578	$1,287
E-2	$1,578	$1,287
E-3	$1,578	$1,287
E-4	$1,578	$1,287
E-5	$1,596	$1,455
E-6	$1,788	$1,557
E-7	$1,980	$1,587
E-8	$2,190	$1,644
E-9	$2,373	$1,779
Warrant officer
W-1	$1,809	$1,584
W-2	$2,067	$1,638
W-3	$2,325	$1,782
W-4	$2,391	$1,827
W-5	$2,475	$2,028
Officer — prior enlisted
O-1E	$2,019	$1,599
O-2E	$2,286	$1,716
O-3E	$2,406	$1,806
Officer
O-1	$1,629	$1,554
O-2	$1,785	$1,596
O-3	$2,319	$1,785
O-4	$2,499	$1,992
O-5	$2,625	$2,109
O-6	$2,643	$2,304
O-7	$2,661	$2,343

What this rate means

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

Westchester County$6,633

Johnson City$2,343

Fort Hood$2,340

Mountain Home AFB$2,325

Wichita Fls$2,325

Fallon NAS$2,319

Kansas City$2,310

Indianapolis$2,307

Roanoke$2,301

Rock Island$2,298

Anniston$1,686

Fallon NAS is #220 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 Fallon NAS0 – $2,661 / month

E-1$1,578

E-2$1,578

E-3$1,578

E-4$1,578

E-5$1,596

E-6$1,788

E-7$1,980

E-8$2,190

E-9$2,373

W-1$1,809

W-2$2,067

W-3$2,325

W-4$2,391

W-5$2,475

O-1E$2,019

O-2E$2,286

O-3E$2,406

O-1$1,629

O-2$1,785

O-3$2,319

O-4$2,499

O-5$2,625

O-6$2,643

O-7$2,661

Promoting to O-4 here adds $180 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 Fallon NAS to Westchester County at O-3 is worth $4,314 a month — about 24 promotions worth of housing allowance, at $180 per grade here.

Dependency status is worth 30% 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. $2,319 a month of BAH takes more than $2,319 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 at Fallon NAS draws $2,319 per month with dependents in 2026, $1,785 without

What this rate means

Things the rate table doesn't tell you