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

$1,758 per month with dependents ($21,096 per year), effective 01 JAN 2026. without dependents it is $1,395 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 Sill 2026 — $1,758/mo with dependents

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

Fort Sill/Lawton, OK

O-3 · with dependents

$1,758/ month

$21,096 / year

At O-3, this is #335 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA OK237 · ZIPs 73501 73502 73503 73505 73506 73507 +10 more

Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt

Untaxed — matching it with taxable pay takes$2,254 / mo gross

Other dependency status here$1,395 without dependents

In government quarters, no dependents$50.10 / mo partial

Fort Sill — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,203	$969
E-2	$1,203	$969
E-3	$1,203	$969
E-4	$1,203	$969
E-5	$1,233	$1,092
E-6	$1,494	$1,170
E-7	$1,587	$1,209
E-8	$1,692	$1,290
E-9	$1,842	$1,383
Warrant officer
W-1	$1,509	$1,206
W-2	$1,632	$1,287
W-3	$1,761	$1,386
W-4	$1,872	$1,509
W-5	$2,013	$1,611
Officer — prior enlisted
O-1E	$1,605	$1,230
O-2E	$1,740	$1,344
O-3E	$1,893	$1,482
Officer
O-1	$1,272	$1,167
O-2	$1,491	$1,227
O-3	$1,758	$1,395
O-4	$2,055	$1,587
O-5	$2,271	$1,704
O-6	$2,286	$1,740
O-7	$2,298	$1,767

What this rate means

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

Westchester County$6,633

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 Sill is #335 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 Sill0 – $2,298 / month

E-1$1,203

E-2$1,203

E-3$1,203

E-4$1,203

E-5$1,233

E-6$1,494

E-7$1,587

E-8$1,692

E-9$1,842

W-1$1,509

W-2$1,632

W-3$1,761

W-4$1,872

W-5$2,013

O-1E$1,605

O-2E$1,740

O-3E$1,893

O-1$1,272

O-2$1,491

O-3$1,758

O-4$2,055

O-5$2,271

O-6$2,286

O-7$2,298

Promoting to O-4 here adds $297 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 Sill to Westchester County at O-3 is worth $4,875 a month — about 16 promotions worth of housing allowance, at $297 per grade here.

Dependency status is worth 26% 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. $1,758 a month of BAH takes more than $1,758 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 Sill draws $1,758 per month in 2026

What this rate means

Things the rate table doesn't tell you