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 Hood draws $1,833 per month in 2026

    Permalinkbahratedesk.com/fort-hood/o-3/without/ExcelCSVDownloads cover this station.
    Fort Hood, TX
    O-3 · without dependents
    $1,833/ month
    $21,996 / year
    At O-3, this is #15 of 17 stations loaded · high San Diego $4,248 · low Fort Riley $1,611
    MHA TX286 · ZIPs 76544 76549 76542
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,350 / mo gross
    Other dependency status here$2,340 with dependents
    In government quarters, no dependents$50.10 / mo partial
    MHA

    Renamed back from Fort Cavazos for 2026. If your orders say Cavazos, this is the same MHA.

    Fort Hood — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,662$1,374
    E-2$1,662$1,374
    E-3$1,662$1,374
    E-4$1,662$1,374
    E-5$1,695$1,530
    E-6$1,920$1,626
    E-7$2,070$1,668
    E-8$2,238$1,746
    E-9$2,409$1,806
    Warrant officer
    W-1$1,938$1,665
    W-2$2,139$1,743
    W-3$2,346$1,812
    W-4$2,433$1,950
    W-5$2,544$2,109
    Officer — prior enlisted
    O-1E$2,100$1,692
    O-2E$2,313$1,788
    O-3E$2,451$1,908
    Officer
    O-1$1,731$1,623
    O-2$1,917$1,689
    O-3$2,340$1,833
    O-4$2,577$2,076
    O-5$2,748$2,169
    O-6$2,769$2,325
    O-7$2,787$2,361
    PCS compareFort Hood · O-3 · $1,833/mo
    Fort Bragg$1,956/mo · $23,472/yr
    ▲ RAISE+$123+$1,476/yr · like +$1,892 of salary

    What this rate means

    O-3 without dependents, every station0 – $4,248 / month
    San Diego$4,248
    Camp Pendleton$4,239
    Honolulu County$3,819
    JB Lewis-McChord$2,784
    JB Elmendorf-Richardson$2,643
    Norfolk$2,505
    Fort Carson$2,397
    Fort Stewart$2,385
    Fort Bliss$2,022
    San Antonio (JBSA)$2,007
    Fort Campbell$1,995
    Fort Bragg$1,956
    Fort Drum$1,902
    Fort Benning$1,878
    Fort Hood$1,833
    Camp Lejeune$1,809
    Fort Riley$1,611

    Fort Hood is #15 of 17. The spread between the dearest and cheapest station at this grade is $2,637 a month — $31,644 a year, untaxed.

    Every pay grade at Fort Hood0 – $2,361 / month
    E-1$1,374
    E-2$1,374
    E-3$1,374
    E-4$1,374
    E-5$1,530
    E-6$1,626
    E-7$1,668
    E-8$1,746
    E-9$1,806
    W-1$1,665
    W-2$1,743
    W-3$1,812
    W-4$1,950
    W-5$2,109
    O-1E$1,692
    O-2E$1,788
    O-3E$1,908
    O-1$1,623
    O-2$1,689
    O-3$1,833
    O-4$2,076
    O-5$2,169
    O-6$2,325
    O-7$2,361

    Promoting to O-4 here adds $243 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 Hood to San Diego at O-3 is worth $2,415 a month — about 10 promotions worth of housing allowance, at $243 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. $1,833 a month of BAH takes more than $1,833 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.