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-3E without dependents at Fort Stewart draws $2,427 per month in 2026

    Permalinkbahratedesk.com/fort-stewart/o-3e/without/ExcelCSVDownloads cover this station.
    Fort Stewart, GA
    O-3E · without dependents
    $2,427/ month
    $29,124 / year
    At O-3E, this is #7 of 17 stations loaded · high San Diego $4,398 · low Fort Riley $1,776
    MHA GA109 · ZIPs 31314 31313 31315
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$3,112 / mo gross
    Other dependency status here$2,736 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Fort Stewart — full sheetTap a row
    GradeWith 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
    PCS compareFort Stewart · O-3E · $2,427/mo
    Fort Bragg$2,040/mo · $24,480/yr
    ▼ CUT−$387−$4,644/yr · like −$5,954 of salary

    What this rate means

    O-3E without dependents, every station0 – $4,398 / month
    San Diego$4,398
    Camp Pendleton$4,392
    Honolulu County$3,903
    JB Lewis-McChord$2,913
    JB Elmendorf-Richardson$2,853
    Norfolk$2,547
    Fort Stewart$2,427
    Fort Carson$2,418
    Fort Bliss$2,142
    Fort Campbell$2,091
    San Antonio (JBSA)$2,082
    Fort Bragg$2,040
    Fort Benning$1,968
    Camp Lejeune$1,935
    Fort Drum$1,920
    Fort Hood$1,908
    Fort Riley$1,776

    Fort Stewart is #7 of 17. The spread between the dearest and cheapest station at this grade is $2,622 a month — $31,464 a year, untaxed.

    Every pay grade at Fort Stewart0 – $2,619 / month
    E-1$1,791
    E-2$1,791
    E-3$1,791
    E-4$1,791
    E-5$1,947
    E-6$2,049
    E-7$2,178
    E-8$2,340
    E-9$2,367
    W-1$2,142
    W-2$2,337
    W-3$2,376
    W-4$2,442
    W-5$2,508
    O-1E$2,307
    O-2E$2,361
    O-3E$2,427
    O-1$2,037
    O-2$2,268
    O-3$2,385
    O-4$2,490
    O-5$2,520
    O-6$2,577
    O-7$2,619

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    Dependency status is worth 13% 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. $2,427 a month of BAH takes more than $2,427 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.