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 Polk draws $1,611 per month in 2026

    Permalinkbahratedesk.com/fort-polk-la/o-3/without/ExcelCSVDownloads cover this station.
    Fort Polk, LA
    O-3 · without dependents
    $1,611/ month
    $19,332 / year
    At O-3, this is #309 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA LA115 · ZIPs 70634 70637 70639 70652 70653 70656 +29 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,065 / mo gross
    Other dependency status here$1,938 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Fort Polk — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,206$1,026
    E-2$1,206$1,026
    E-3$1,206$1,026
    E-4$1,206$1,026
    E-5$1,218$1,128
    E-6$1,833$1,374
    E-7$1,872$1,404
    E-8$1,911$1,434
    E-9$1,989$1,527
    Warrant officer
    W-1$1,854$1,392
    W-2$1,887$1,416
    W-3$1,941$1,551
    W-4$2,010$1,839
    W-5$2,100$1,881
    Officer — prior enlisted
    O-1E$1,875$1,410
    O-2E$1,929$1,488
    O-3E$2,022$1,827
    Officer
    O-1$1,296$1,191
    O-2$1,827$1,407
    O-3$1,938$1,611
    O-4$2,124$1,866
    O-5$2,262$1,884
    O-6$2,277$1,917
    O-7$2,289$1,947
    PCS compareFort Polk · O-3 · $1,611/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$1,032+$12,384/yr · like +$15,877 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Fort Leonard Wood$1,629
    County Cost Group 640$1,623
    Gulfport$1,623
    County Cost Group 630$1,614
    Fort Polk$1,611
    Fort Riley$1,611
    County Cost Group 620$1,605
    County Cost Group 610$1,599
    Erie$1,596
    Youngstown$1,344

    Fort Polk is #309 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 Polk0 – $1,947 / month
    E-1$1,026
    E-2$1,026
    E-3$1,026
    E-4$1,026
    E-5$1,128
    E-6$1,374
    E-7$1,404
    E-8$1,434
    E-9$1,527
    W-1$1,392
    W-2$1,416
    W-3$1,551
    W-4$1,839
    W-5$1,881
    O-1E$1,410
    O-2E$1,488
    O-3E$1,827
    O-1$1,191
    O-2$1,407
    O-3$1,611
    O-4$1,866
    O-5$1,884
    O-6$1,917
    O-7$1,947

    Promoting to O-4 here adds $255 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 Polk to San Francisco at O-3 is worth $3,720 a month — about 15 promotions worth of housing allowance, at $255 per grade here.

    02

    Dependency status is worth 20% 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. $1,611 a month of BAH takes more than $1,611 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.