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

$2,598 per month with dependents ($31,176 per year), effective 01 JAN 2026. Without dependents it is $2,385 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 Stewart 2026 — $2,598 with dependents, $2,385 without

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

Fort Stewart, GA

O-3 · with dependents

$2,598/ month

$31,176 / year

At O-3, this is #160 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA GA080 · ZIPs 31301 31308 31309 31310 31313 31314 +7 more

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Untaxed — matching it with taxable pay takes$3,331 / mo gross

Without dependents here$2,385 / mo

In government quarters, no dependents$50.10 / mo partial

Fort Stewart — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$2,175	$1,791
E-2	$2,175	$1,791
E-3	$2,175	$1,791
E-4	$2,175	$1,791
E-5	$2,310	$1,947
E-6	$2,439	$2,049
E-7	$2,493	$2,178
E-8	$2,556	$2,340
E-9	$2,682	$2,367
Warrant officer
W-1	$2,454	$2,142
W-2	$2,520	$2,337
W-3	$2,601	$2,376
W-4	$2,715	$2,442
W-5	$2,859	$2,508
Officer — prior enlisted
O-1E	$2,502	$2,307
O-2E	$2,586	$2,361
O-3E	$2,736	$2,427
Officer
O-1	$2,334	$2,037
O-2	$2,436	$2,268
O-3	$2,598	$2,385
O-4	$2,904	$2,490
O-5	$3,129	$2,520
O-6	$3,153	$2,577
O-7	$3,174	$2,619

What this rate means

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

Westchester County$6,633

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

Anniston$1,686

Fort Stewart is #160 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 Stewart0 – $3,174 / month

E-1$2,175

E-2$2,175

E-3$2,175

E-4$2,175

E-5$2,310

E-6$2,439

E-7$2,493

E-8$2,556

E-9$2,682

W-1$2,454

W-2$2,520

W-3$2,601

W-4$2,715

W-5$2,859

O-1E$2,502

O-2E$2,586

O-3E$2,736

O-1$2,334

O-2$2,436

O-3$2,598

O-4$2,904

O-5$3,129

O-6$3,153

O-7$3,174

Promoting to O-4 here adds $306 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 Stewart to Westchester County at O-3 is worth $4,035 a month — about 13 promotions worth of housing allowance, at $306 per grade here.

Dependency status is worth 9% 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. $2,598 a month of BAH takes more than $2,598 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 at Fort Stewart draws $2,598 per month with dependents in 2026, $2,385 without

What this rate means

Things the rate table doesn't tell you