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

    W-3 with dependents at Fort Knox draws $2,424 per month in 2026

    Permalinkbahratedesk.com/fort-knox-ky/w-3/with/ExcelCSVDownloads cover this station.
    Fort Knox, KY
    W-3 · with dependents
    $2,424/ month
    $29,088 / year
    At W-3, this is #196 of 338 stations loaded · high Westchester County $6,654 · low Anniston $1,689
    MHA KY110 · ZIPs 40104 40108 40117 40121 40122 40142 +16 more
    Your grade is calledARMYCW3USMCCWO3NAVYCWO3
    Untaxed — matching it with taxable pay takes$3,108 / mo gross
    Other dependency status here$1,911 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Fort Knox — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,575$1,350
    E-2$1,575$1,350
    E-3$1,575$1,350
    E-4$1,575$1,350
    E-5$1,647$1,443
    E-6$2,136$1,602
    E-7$2,241$1,680
    E-8$2,352$1,764
    E-9$2,505$1,893
    Warrant officer
    W-1$2,157$1,617
    W-2$2,286$1,746
    W-3$2,424$1,911
    W-4$2,538$2,157
    W-5$2,679$2,265
    Officer — prior enlisted
    O-1E$2,259$1,695
    O-2E$2,403$1,860
    O-3E$2,559$2,130
    Officer
    O-1$1,710$1,503
    O-2$2,133$1,683
    O-3$2,421$1,956
    O-4$2,724$2,241
    O-5$2,943$2,301
    O-6$2,964$2,403
    O-7$2,985$2,442
    PCS compareFort Knox · W-3 · $2,424/mo
    Aberdeen Proving Grounds$3,075/mo · $36,900/yr
    ▲ RAISE+$651+$7,812/yr · like +$10,015 of salary

    What this rate means

    W-3 with dependents, nearest stations0 – $6,654 / month
    Westchester County$6,654
    Grand Rapids$2,442
    Ocala$2,442
    County Cost Group 790$2,436
    Des Moines$2,436
    Fort Knox$2,424
    Morehead$2,424
    Auburn$2,421
    Kings Bay$2,421
    Eastern Shore$2,409
    Anniston$1,689

    Fort Knox is #196 of 338. The spread between the dearest and cheapest station at this grade is $4,965 a month — $59,580 a year, untaxed.

    Every pay grade at Fort Knox0 – $2,985 / month
    E-1$1,575
    E-2$1,575
    E-3$1,575
    E-4$1,575
    E-5$1,647
    E-6$2,136
    E-7$2,241
    E-8$2,352
    E-9$2,505
    W-1$2,157
    W-2$2,286
    W-3$2,424
    W-4$2,538
    W-5$2,679
    O-1E$2,259
    O-2E$2,403
    O-3E$2,559
    O-1$1,710
    O-2$2,133
    O-3$2,421
    O-4$2,724
    O-5$2,943
    O-6$2,964
    O-7$2,985

    Promoting to W-4 here adds $114 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 Knox to Westchester County at W-3 is worth $4,230 a month — about 37 promotions worth of housing allowance, at $114 per grade here.

    02

    Dependency status is worth 27% 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. $2,424 a month of BAH takes more than $2,424 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.