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 without dependents at Fort Chaffee draws $1,527 per month in 2026

    Permalinkbahratedesk.com/fort-chaffee-fort-smith-ar/o-3/without/ExcelCSVDownloads cover this station.
    Fort Chaffee/Fort Smith, AR
    O-3 · without dependents
    $1,527/ month
    $18,324 / year
    At O-3, this is #325 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA AR012 · ZIPs 72901 72902 72903 72904 72905 72906 +41 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$1,958 / mo gross
    Other dependency status here$1,962 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Fort Chaffee — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,173$879
    E-2$1,173$879
    E-3$1,173$879
    E-4$1,173$879
    E-5$1,263$996
    E-6$1,680$1,260
    E-7$1,785$1,338
    E-8$1,893$1,419
    E-9$2,028$1,521
    Warrant officer
    W-1$1,701$1,278
    W-2$1,827$1,371
    W-3$1,965$1,524
    W-4$2,052$1,701
    W-5$2,166$1,809
    Officer — prior enlisted
    O-1E$1,803$1,353
    O-2E$1,944$1,458
    O-3E$2,070$1,674
    Officer
    O-1$1,320$1,077
    O-2$1,677$1,341
    O-3$1,962$1,527
    O-4$2,199$1,785
    O-5$2,370$1,842
    O-6$2,388$1,944
    O-7$2,400$1,974
    PCS compareFort Chaffee · O-3 · $1,527/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$1,116+$13,392/yr · like +$17,169 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    County Cost Group 560$1,548
    County Cost Group 550$1,539
    Alexandria$1,536
    County Cost Group 540$1,530
    Fort Chaffee$1,527
    Meridian$1,527
    County Cost Group 530$1,524
    County Cost Group 520$1,518
    Albany$1,515
    Youngstown$1,344

    Fort Chaffee is #325 of 338. The spread between the dearest and cheapest station at this grade is $3,987 a month — $47,844 a year, untaxed.

    Every pay grade at Fort Chaffee0 – $1,974 / month
    E-1$879
    E-2$879
    E-3$879
    E-4$879
    E-5$996
    E-6$1,260
    E-7$1,338
    E-8$1,419
    E-9$1,521
    W-1$1,278
    W-2$1,371
    W-3$1,524
    W-4$1,701
    W-5$1,809
    O-1E$1,353
    O-2E$1,458
    O-3E$1,674
    O-1$1,077
    O-2$1,341
    O-3$1,527
    O-4$1,785
    O-5$1,842
    O-6$1,944
    O-7$1,974

    Promoting to O-4 here adds $258 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 Chaffee to San Francisco at O-3 is worth $3,804 a month — about 15 promotions worth of housing allowance, at $258 per grade here.

    02

    Dependency status is worth 28% 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. $1,527 a month of BAH takes more than $1,527 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.