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
    With $2,634Without $2,091

    O-3E at Fort Campbell draws $2,634 per month with dependents in 2026, $2,091 without

    Permalinkbahratedesk.com/fort-campbell/o-3e/ExcelCSVDownloads cover this station.
    Fort Campbell, KY
    O-3E · with dependents
    $2,634/ month
    $31,608 / year
    At O-3E, this is #177 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA KY106 · ZIPs 37010 37015 37023 37028 37032 37035 +33 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,377 / mo gross
    Without dependents here$2,091 / mo
    In government quarters, no dependents$50.10 / mo partial
    Fort Campbell — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,743$1,470
    E-2$1,743$1,470
    E-3$1,743$1,470
    E-4$1,743$1,470
    E-5$1,815$1,593
    E-6$2,100$1,671
    E-7$2,244$1,743
    E-8$2,400$1,878
    E-9$2,580$1,956
    Warrant officer
    W-1$2,121$1,731
    W-2$2,307$1,875
    W-3$2,499$1,968
    W-4$2,610$2,130
    W-5$2,751$2,277
    Officer — prior enlisted
    O-1E$2,271$1,812
    O-2E$2,472$1,938
    O-3E$2,634$2,091
    Officer
    O-1$1,857$1,668
    O-2$2,097$1,794
    O-3$2,496$1,995
    O-4$2,793$2,250
    O-5$3,006$2,334
    O-6$3,030$2,478
    O-7$3,048$2,520
    PCS compareFort Campbell · O-3E · $2,634/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$588+$7,056/yr · like +$9,046 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    County Cost Group 800$2,640
    Cleveland$2,637
    Hampton$2,637
    Battle Creek$2,634
    Fort Campbell$2,634
    Provo$2,631
    Eastern Panhandle$2,622
    Dahlonega$2,619
    Birmingham$2,613
    Youngstown$1,788

    Fort Campbell is #177 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 Fort Campbell0 – $3,048 / month
    E-1$1,743
    E-2$1,743
    E-3$1,743
    E-4$1,743
    E-5$1,815
    E-6$2,100
    E-7$2,244
    E-8$2,400
    E-9$2,580
    W-1$2,121
    W-2$2,307
    W-3$2,499
    W-4$2,610
    W-5$2,751
    O-1E$2,271
    O-2E$2,472
    O-3E$2,634
    O-1$1,857
    O-2$2,097
    O-3$2,496
    O-4$2,793
    O-5$3,006
    O-6$3,030
    O-7$3,048

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

    01

    Dependency status is worth 26% 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. $2,634 a month of BAH takes more than $2,634 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.