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 Leonard Wood draws $2,028 per month in 2026

    Permalinkbahratedesk.com/fort-leonard-wood-mo/o-3/with/ExcelCSVDownloads cover this station.
    Fort Leonard Wood, MO
    O-3 · with dependents
    $2,028/ month
    $24,336 / year
    At O-3, this is #282 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686
    MHA MO163 · ZIPs 65401 65402 65409 65436 65444 65452 +26 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,600 / mo gross
    Other dependency status here$1,629 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Fort Leonard Wood — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,386$1,287
    E-2$1,386$1,287
    E-3$1,386$1,287
    E-4$1,386$1,287
    E-5$1,479$1,290
    E-6$1,722$1,296
    E-7$1,833$1,386
    E-8$1,956$1,533
    E-9$2,064$1,596
    Warrant officer
    W-1$1,740$1,368
    W-2$1,884$1,530
    W-3$2,034$1,608
    W-4$2,073$1,743
    W-5$2,130$1,860
    Officer — prior enlisted
    O-1E$1,854$1,476
    O-2E$2,010$1,581
    O-3E$2,085$1,713
    Officer
    O-1$1,515$1,293
    O-2$1,719$1,452
    O-3$2,028$1,629
    O-4$2,142$1,833
    O-5$2,223$1,899
    O-6$2,238$2,013
    O-7$2,250$2,043
    PCS compareFort Leonard Wood · O-3 · $2,028/mo
    Aberdeen Proving Grounds$3,072/mo · $36,864/yr
    ▲ RAISE+$1,044+$12,528/yr · like +$16,062 of salary

    What this rate means

    O-3 with dependents, every station0 – $6,633 / month
    Westchester County$6,633
    Maui County$5,571
    San Francisco$5,556
    New York City$5,529
    Nantucket$5,442
    Santa Clara County$5,199
    Boston$5,163
    Northern New Jersey$5,094
    Long Island$5,061
    Martha's Vineyard$5,025
    Florida Keys$4,872
    Monterey$4,824
    Hanscom AFB$4,770
    Kauai County$4,662
    Camp Pendleton$4,659
    Staten Island$4,554
    Essex CO$4,533
    Los Angeles$4,524
    San Diego$4,518
    Portsmouth$4,461
    Miami$4,437
    Honolulu County$4,428
    Cape Cod-Plymouth$4,419
    West Point$4,380
    Oakland$4,362
    Trenton$4,362
    Fort Monmouth$4,332
    Portland$4,260
    Perth Amboy$4,239
    Manchester$4,233
    San Luis Obispo$4,215
    Seattle$4,215
    Ventura$4,212
    Burlington$4,203
    Marin$4,146
    Newport$4,137
    Fitchburg$4,059
    Washington$4,020
    Providence$4,008
    West Palm Beach$3,975
    Hawaii County$3,945
    New Haven$3,843
    County Cost Group 890$3,828
    Vandenberg SFB$3,780
    Brunswick$3,762
    Hartford$3,759
    Worcester$3,756
    Chicago$3,738
    Boulder$3,711
    Santa Fe$3,711
    Riverside$3,705
    Indian Head Navordsta$3,669
    Warrenton$3,666
    Atlantic City$3,624
    Juneau$3,594
    Everett$3,567
    JB McGuire-Dix-Lakehurst$3,552
    Vallejo$3,537
    County Cost Group 880$3,489
    Sitka$3,462
    Austin$3,447
    Annapolis$3,438
    Willow Grove$3,438
    Hampden County$3,426
    Madison$3,426
    San Bernardino$3,414
    Fort G. G. Meade$3,411
    Eglin AFB$3,399
    JB Elmendorf-Richardson$3,360
    Ann Arbor$3,357
    Ketchikan$3,327
    Quantico$3,327
    Stockton$3,309
    New London$3,306
    County Cost Group 870$3,270
    Edwards AFB$3,264
    Fort Detrick$3,255
    Ballston Spa$3,234
    Astoria$3,213
    Denver$3,207
    Milwaukee$3,189
    Cape May$3,186
    Kodiak Island$3,174
    Beale AFB$3,165
    Baltimore$3,156
    Fort Myers Beach$3,129
    JB Lewis-McChord$3,123
    Whidbey Island$3,105
    County Cost Group 860$3,090
    Outer Banks$3,087
    Port Angeles$3,081
    Tampa$3,081
    Fort Pierce$3,078
    Aberdeen Proving Grounds$3,072
    Traverse City$3,069
    Dover AFB$3,051
    Bremerton$3,045
    Charlottesville$3,045
    Sacramento$3,039
    Portland$3,030
    Bridgeport$3,018
    Great Lakes Navtracen$3,018
    Philadelphia$3,015
    County Cost Group 850$3,003
    Orlando$2,997
    Oxford$2,985
    Fairbanks$2,937
    Fresno$2,937
    Patrick SFB$2,922
    Minneapolis$2,910
    County Cost Group 840$2,907
    Knoxville$2,904
    Allentown$2,880
    Rome$2,880
    Coastal Maine$2,868
    Corvallis$2,865
    Abilene$2,859
    Beaufort$2,856
    Dallas$2,847
    Dahlgren$2,844
    Spokane$2,844
    Humboldt County$2,838
    Asheville$2,835
    County Cost Group 830$2,826
    Twenty Nine Palms MCB$2,814
    Syracuse$2,811
    Fort Collins$2,805
    Reno$2,799
    Nashville$2,784
    Detroit$2,778
    Buffalo$2,772
    Helena$2,772
    Patuxent River$2,769
    Eugene$2,766
    Richmond$2,760
    St. Louis$2,760
    Rochester$2,757
    Barstow$2,748
    Atlanta$2,745
    Savannah$2,745
    Salt Lake City$2,742
    County Cost Group 820$2,730
    Charleston$2,721
    Panama City$2,709
    Salem$2,709
    Yakima$2,703
    Houston$2,700
    Coos Bay$2,697
    Gainesville$2,697
    Norfolk$2,694
    College Station$2,685
    Elizabeth City$2,667
    El Centro$2,664
    Pittsburgh$2,643
    Volusia County$2,634
    Wilmington$2,628
    County Cost Group 810$2,622
    Cincinnati$2,604
    Omaha$2,601
    Fort Stewart$2,598
    Fort Carson$2,595
    State College$2,580
    Tallahassee$2,580
    Columbus$2,577
    Birmingham$2,565
    Carlisle Barracks$2,559
    Grand Haven$2,553
    New Orleans$2,553
    Dahlonega$2,550
    Provo$2,529
    Myrtle Beach$2,523
    Chattanooga$2,520
    Durham$2,517
    Bangor$2,514
    Battle Creek$2,514
    Fargo$2,511
    County Cost Group 800$2,508
    Jackson$2,502
    Fort Campbell$2,496
    Phoenix$2,490
    Eastern Panhandle$2,478
    Corpus Christi$2,475
    Hampton$2,475
    Rapid City$2,475
    Charlotte$2,472
    Bloomington$2,469
    Fort Drum$2,469
    Fort Worth$2,460
    Cleveland$2,457
    Lemoore NAS$2,451
    Cheyenne$2,442
    Grand Rapids$2,439
    Ocala$2,439
    County Cost Group 790$2,433
    Des Moines$2,433
    Fort Knox$2,421
    Morehead$2,421
    Kings Bay$2,418
    Auburn$2,412
    Eastern Shore$2,406
    Albuquerque$2,397
    Fort Leavenworth$2,394
    Louisville$2,394
    Raleigh$2,391
    Marquette$2,385
    Nellis AFB$2,382
    Waco$2,379
    Bismarck$2,370
    Boise$2,370
    Duluth$2,370
    Jacksonville$2,364
    Ogden$2,361
    Fayetteville$2,355
    Memphis$2,352
    County Cost Group 780$2,346
    Johnson City$2,343
    Fort Hood$2,340
    Mountain Home AFB$2,325
    Wichita Fls$2,325
    Fallon NAS$2,319
    Kansas City$2,310
    Indianapolis$2,307
    Roanoke$2,301
    Rock Island$2,298
    County Cost Group 770$2,280
    Lincoln$2,280
    Pensacola$2,271
    Malmstrom SFB$2,268
    Shreveport$2,268
    Fort Rucker$2,262
    Greensboro$2,259
    Fort Gordon$2,250
    Whiteman AFB$2,244
    Columbia$2,232
    Fort Huachuca$2,232
    Baton Rouge$2,229
    Huntsville$2,226
    Seymour Johnson AFB$2,226
    Scott AFB$2,208
    County Cost Group 760$2,205
    Fort Wayne$2,205
    Greenville$2,205
    Lexington$2,205
    Fort Bliss$2,202
    Mobile$2,202
    Davis-Monthan AFB$2,199
    Grand Forks$2,199
    Robins AFB$2,199
    Toledo$2,199
    Goodfellow AFB$2,193
    Columbus AFB$2,181
    Fort Bragg$2,175
    Minot AFB$2,175
    Brownsville$2,169
    China Lake$2,154
    County Cost Group 750$2,154
    Frankfort$2,133
    Lexington$2,130
    Champaign$2,127
    Lansing$2,127
    San Antonio (JBSA)$2,127
    Laughlin AFB$2,121
    Columbia$2,118
    Sioux Falls$2,106
    Tulsa$2,106
    County Cost Group 740$2,097
    Wright-Patterson AFB$2,097
    Camp Lejeune$2,085
    Wilkes-Barre$2,085
    White Sands MR$2,082
    County Cost Group 730$2,064
    Topeka$2,064
    Fort Benning$2,058
    Sumter$2,052
    Yuma$2,049
    County Cost Group 720$2,040
    Gulfport$2,040
    Lafayette$2,040
    Peoria$2,040
    Morgantown$2,031
    Paducah$2,031
    Fort Leonard Wood$2,028
    County Cost Group 710$2,016
    St Mary And Terrebonne$2,007
    Moody AFB$2,004
    Springfield$2,001
    Terre Haute$2,001
    County Cost Group 700$1,998
    Springfield$1,998
    Lubbock$1,983
    County Cost Group 690$1,980
    Akron$1,977
    Lake Charles$1,977
    Little Rock$1,974
    Oklahoma City$1,974
    County Cost Group 680$1,968
    Fort Chaffee$1,962
    County Cost Group 670$1,959
    Sault Ste Marie$1,959
    Beaumont$1,956
    Fort Riley$1,953
    Meridian$1,953
    Alexandria$1,950
    County Cost Group 660$1,944
    Fort Polk$1,938
    Wichita$1,938
    County Cost Group 650$1,935
    Montgomery$1,932
    County Cost Group 640$1,926
    Sparta$1,923
    County Cost Group 630$1,917
    Huntington$1,917
    County Cost Group 620$1,911
    Albany$1,905
    Holloman AFB$1,905
    County Cost Group 610$1,902
    County Cost Group 600$1,893
    County Cost Group 590$1,881
    Cannon AFB$1,875
    Erie$1,872
    County Cost Group 580$1,869
    Hattiesburg$1,866
    Charleston$1,860
    County Cost Group 570$1,857
    County Cost Group 560$1,848
    Saginaw$1,842
    County Cost Group 550$1,836
    Altus AFB$1,833
    County Cost Group 540$1,827
    County Cost Group 530$1,821
    Vance AFB$1,818
    County Cost Group 520$1,815
    County Cost Group 510$1,809
    Youngstown$1,767
    Fort Sill$1,758
    Stevens Point$1,746
    Monroe$1,728
    Anniston$1,686

    Fort Leonard Wood is #282 of 338. The spread between the dearest and cheapest station at this grade is $4,947 a month — $59,364 a year, untaxed.

    Every pay grade at Fort Leonard Wood0 – $2,250 / month
    E-1$1,386
    E-2$1,386
    E-3$1,386
    E-4$1,386
    E-5$1,479
    E-6$1,722
    E-7$1,833
    E-8$1,956
    E-9$2,064
    W-1$1,740
    W-2$1,884
    W-3$2,034
    W-4$2,073
    W-5$2,130
    O-1E$1,854
    O-2E$2,010
    O-3E$2,085
    O-1$1,515
    O-2$1,719
    O-3$2,028
    O-4$2,142
    O-5$2,223
    O-6$2,238
    O-7$2,250

    Promoting to O-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 Leonard Wood to Westchester County at O-3 is worth $4,605 a month — about 40 promotions worth of housing allowance, at $114 per grade here.

    02

    Dependency status is worth 24% 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. $2,028 a month of BAH takes more than $2,028 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.