What is O-3 BAH at Fort Rucker in 2026?

$2,262 per month with dependents ($27,144 per year), effective 01 JAN 2026. without dependents it is $1,767 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-3 BAH at Fort Rucker 2026 — $2,262/mo with dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Fort Rucker, AL

O-3 · with dependents

$2,262/ month

$27,144 / year

At O-3, this is #230 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA AL002 · ZIPs 36301 36302 36303 36304 36305 36310 +35 more

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Untaxed — matching it with taxable pay takes$2,900 / mo gross

Other dependency status here$1,767 without dependents

In government quarters, no dependents$50.10 / mo partial

Fort Rucker — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,440	$1,167
E-2	$1,440	$1,167
E-3	$1,440	$1,167
E-4	$1,440	$1,167
E-5	$1,572	$1,251
E-6	$1,743	$1,317
E-7	$1,929	$1,446
E-8	$2,136	$1,611
E-9	$2,346	$1,761
Warrant officer
W-1	$1,761	$1,407
W-2	$2,013	$1,608
W-3	$2,268	$1,764
W-4	$2,373	$1,800
W-5	$2,502	$1,977
Officer — prior enlisted
O-1E	$1,968	$1,569
O-2E	$2,232	$1,674
O-3E	$2,394	$1,797
Officer
O-1	$1,602	$1,305
O-2	$1,740	$1,533
O-3	$2,262	$1,767
O-4	$2,541	$1,941
O-5	$2,742	$2,058
O-6	$2,760	$2,247
O-7	$2,778	$2,283

What this rate means

O-3 with dependents, nearest stations0 – $6,633 / month

Westchester County$6,633

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

Anniston$1,686

Fort Rucker is #230 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 Rucker0 – $2,778 / month

E-1$1,440

E-2$1,440

E-3$1,440

E-4$1,440

E-5$1,572

E-6$1,743

E-7$1,929

E-8$2,136

E-9$2,346

W-1$1,761

W-2$2,013

W-3$2,268

W-4$2,373

W-5$2,502

O-1E$1,968

O-2E$2,232

O-3E$2,394

O-1$1,602

O-2$1,740

O-3$2,262

O-4$2,541

O-5$2,742

O-6$2,760

O-7$2,778

Promoting to O-4 here adds $279 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Fort Rucker to Westchester County at O-3 is worth $4,371 a month — about 16 promotions worth of housing allowance, at $279 per grade here.

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.

None of it is taxed. $2,262 a month of BAH takes more than $2,262 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-3 with dependents at Fort Rucker draws $2,262 per month in 2026

What this rate means

Things the rate table doesn't tell you