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 Fort Bliss draws $2,202 per month in 2026

    Permalinkbahratedesk.com/fort-bliss/o-3/with/ExcelCSVDownloads cover this station.
    El Paso, TX
    O-3 · with dependents
    $2,202/ month
    $26,424 / year
    At O-3, this is #12 of 17 stations loaded · high Camp Pendleton $4,659 · low Fort Riley $1,953
    MHA TX279 · ZIPs 79906 79908 79916 79924 79925
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,823 / mo gross
    Other dependency status here$2,022 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Fort Bliss — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,665$1,302
    E-2$1,665$1,302
    E-3$1,665$1,302
    E-4$1,665$1,302
    E-5$1,809$1,437
    E-6$2,148$1,611
    E-7$2,172$1,668
    E-8$2,187$1,881
    E-9$2,241$1,977
    Warrant officer
    W-1$2,169$1,626
    W-2$2,178$1,878
    W-3$2,205$1,992
    W-4$2,256$2,148
    W-5$2,334$2,169
    Officer — prior enlisted
    O-1E$2,175$1,806
    O-2E$2,196$1,956
    O-3E$2,268$2,142
    Officer
    O-1$1,857$1,518
    O-2$2,145$1,764
    O-3$2,202$2,022
    O-4$2,352$2,157
    O-5$2,466$2,172
    O-6$2,484$2,178
    O-7$2,496$2,214
    PCS compareFort Bliss · O-3 · $2,202/mo
    Fort Bragg$2,175/mo · $26,100/yr
    ▼ CUT−$27−$324/yr · like −$415 of salary

    What this rate means

    O-3 with dependents, every station0 – $4,659 / month
    Camp Pendleton$4,659
    San Diego$4,518
    Honolulu County$4,428
    JB Elmendorf-Richardson$3,360
    JB Lewis-McChord$3,123
    Norfolk$2,694
    Fort Stewart$2,598
    Fort Carson$2,595
    Fort Campbell$2,496
    Fort Drum$2,469
    Fort Hood$2,340
    Fort Bliss$2,202
    Fort Bragg$2,175
    San Antonio (JBSA)$2,127
    Camp Lejeune$2,085
    Fort Benning$2,058
    Fort Riley$1,953

    Fort Bliss is #12 of 17. The spread between the dearest and cheapest station at this grade is $2,706 a month — $32,472 a year, untaxed.

    Every pay grade at Fort Bliss0 – $2,496 / month
    E-1$1,665
    E-2$1,665
    E-3$1,665
    E-4$1,665
    E-5$1,809
    E-6$2,148
    E-7$2,172
    E-8$2,187
    E-9$2,241
    W-1$2,169
    W-2$2,178
    W-3$2,205
    W-4$2,256
    W-5$2,334
    O-1E$2,175
    O-2E$2,196
    O-3E$2,268
    O-1$1,857
    O-2$2,145
    O-3$2,202
    O-4$2,352
    O-5$2,466
    O-6$2,484
    O-7$2,496

    Promoting to O-4 here adds $150 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 Fort Bliss to Camp Pendleton at O-3 is worth $2,457 a month — about 16 promotions worth of housing allowance, at $150 per grade here.

    02

    Dependency status is worth 9% 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. $2,202 a month of BAH takes more than $2,202 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.