What is O-3 BAH at Fayetteville in 2026?

$2,355 per month with dependents ($28,260 per year), effective 01 JAN 2026. without dependents it is $1,944 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 Fayetteville 2026 — $2,355/mo with dependents

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

Fayetteville, AR

O-3 · with dependents

$2,355/ month

$28,260 / year

At O-3, this is #213 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA AR411 · ZIPs 72701 72702 72703 72704 72711 72712 +39 more

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Untaxed — matching it with taxable pay takes$3,019 / mo gross

Other dependency status here$1,944 without dependents

In government quarters, no dependents$50.10 / mo partial

Fayetteville — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,662	$1,263
E-2	$1,662	$1,263
E-3	$1,662	$1,263
E-4	$1,662	$1,263
E-5	$1,782	$1,437
E-6	$2,040	$1,545
E-7	$2,154	$1,662
E-8	$2,280	$1,839
E-9	$2,439	$1,908
Warrant officer
W-1	$2,058	$1,632
W-2	$2,205	$1,836
W-3	$2,361	$1,920
W-4	$2,466	$2,061
W-5	$2,601	$2,181
Officer — prior enlisted
O-1E	$2,175	$1,779
O-2E	$2,337	$1,893
O-3E	$2,487	$2,031
Officer
O-1	$1,821	$1,536
O-2	$2,037	$1,746
O-3	$2,355	$1,944
O-4	$2,640	$2,157
O-5	$2,847	$2,223
O-6	$2,868	$2,340
O-7	$2,886	$2,376

What this rate means

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

Westchester County$6,633

Boise$2,370

Duluth$2,370

Jacksonville$2,364

Ogden$2,361

Fayetteville$2,355

Memphis$2,352

County Cost Group 780$2,346

Johnson City$2,343

Fort Hood$2,340

Anniston$1,686

Fayetteville is #213 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 Fayetteville0 – $2,886 / month

E-1$1,662

E-2$1,662

E-3$1,662

E-4$1,662

E-5$1,782

E-6$2,040

E-7$2,154

E-8$2,280

E-9$2,439

W-1$2,058

W-2$2,205

W-3$2,361

W-4$2,466

W-5$2,601

O-1E$2,175

O-2E$2,337

O-3E$2,487

O-1$1,821

O-2$2,037

O-3$2,355

O-4$2,640

O-5$2,847

O-6$2,868

O-7$2,886

Promoting to O-4 here adds $285 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 Fayetteville to Westchester County at O-3 is worth $4,278 a month — about 15 promotions worth of housing allowance, at $285 per grade here.

Dependency status is worth 21% 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. $2,355 a month of BAH takes more than $2,355 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 Fayetteville draws $2,355 per month in 2026

What this rate means

Things the rate table doesn't tell you