What is W-3 BAH at Fort Worth in 2026?

$2,463 per month with dependents ($29,556 per year), effective 01 JAN 2026. Without dependents it is $2,280 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.

W-3 BAH at Fort Worth 2026 — $2,463 with dependents, $2,280 without

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

Fort Worth, TX

W-3 · with dependents

$2,463/ month

$29,556 / year

At W-3, this is #188 of 338 stations loaded · high Westchester County $6,654 · low Anniston $1,689

MHA TX356 · ZIPs 75054 76001 76002 76003 76004 76005 +116 more

Your grade is calledARMYCW3USMCCWO3NAVYCWO3

Untaxed — matching it with taxable pay takes$3,158 / mo gross

Without dependents here$2,280 / mo

In government quarters, no dependents$50.10 / mo partial

Fort Worth — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,938	$1,494
E-2	$1,938	$1,494
E-3	$1,938	$1,494
E-4	$1,938	$1,494
E-5	$2,118	$1,656
E-6	$2,424	$1,815
E-7	$2,445	$1,941
E-8	$2,454	$2,184
E-9	$2,490	$2,268
Warrant officer
W-1	$2,442	$1,884
W-2	$2,451	$2,181
W-3	$2,463	$2,280
W-4	$2,511	$2,418
W-5	$2,613	$2,427
Officer — prior enlisted
O-1E	$2,448	$2,115
O-2E	$2,457	$2,250
O-3E	$2,526	$2,415
Officer
O-1	$2,163	$1,752
O-2	$2,421	$2,061
O-3	$2,460	$2,310
O-4	$2,640	$2,421
O-5	$2,793	$2,430
O-6	$2,814	$2,433
O-7	$2,832	$2,451

What this rate means

W-3 with dependents, nearest stations0 – $6,654 / month

Westchester County$6,654

Hampton$2,478

Rapid City$2,478

Bloomington$2,475

Charlotte$2,475

Fort Worth$2,463

Cleveland$2,460

Lemoore NAS$2,454

Cheyenne$2,445

Grand Rapids$2,442

Anniston$1,689

Fort Worth is #188 of 338. The spread between the dearest and cheapest station at this grade is $4,965 a month — $59,580 a year, untaxed.

Every pay grade at Fort Worth0 – $2,832 / month

E-1$1,938

E-2$1,938

E-3$1,938

E-4$1,938

E-5$2,118

E-6$2,424

E-7$2,445

E-8$2,454

E-9$2,490

W-1$2,442

W-2$2,451

W-3$2,463

W-4$2,511

W-5$2,613

O-1E$2,448

O-2E$2,457

O-3E$2,526

O-1$2,163

O-2$2,421

O-3$2,460

O-4$2,640

O-5$2,793

O-6$2,814

O-7$2,832

Promoting to W-4 here adds $48 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 Worth to Westchester County at W-3 is worth $4,191 a month — about 87 promotions worth of housing allowance, at $48 per grade here.

Dependency status is worth 8% 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. $2,463 a month of BAH takes more than $2,463 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.

W-3 at Fort Worth draws $2,463 per month with dependents in 2026, $2,280 without

What this rate means

Things the rate table doesn't tell you