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-3 without dependents at Frankfort draws $1,665 per month in 2026

    Permalinkbahratedesk.com/frankfort-ky/o-3/without/ExcelCSVDownloads cover this station.
    Frankfort, KY
    O-3 · without dependents
    $1,665/ month
    $19,980 / year
    At O-3, this is #296 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA KY339 · ZIPs 40342 40601 40602 40603 40604 40618 +4 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,135 / mo gross
    Other dependency status here$2,133 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Frankfort — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,287$1,011
    E-2$1,287$1,011
    E-3$1,287$1,011
    E-4$1,287$1,011
    E-5$1,410$1,104
    E-6$1,815$1,362
    E-7$1,932$1,449
    E-8$2,058$1,545
    E-9$2,148$1,611
    Warrant officer
    W-1$1,836$1,377
    W-2$1,983$1,491
    W-3$2,136$1,626
    W-4$2,151$1,839
    W-5$2,175$1,959
    Officer — prior enlisted
    O-1E$1,953$1,464
    O-2E$2,115$1,587
    O-3E$2,154$1,809
    Officer
    O-1$1,464$1,164
    O-2$1,812$1,452
    O-3$2,133$1,665
    O-4$2,178$1,935
    O-5$2,199$2,001
    O-6$2,214$2,115
    O-7$2,226$2,151
    PCS compareFrankfort · O-3 · $1,665/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$978+$11,736/yr · like +$15,046 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Laughlin AFB$1,686
    Springfield$1,686
    Sparta$1,680
    County Cost Group 690$1,671
    Frankfort$1,665
    County Cost Group 680$1,659
    Columbia$1,656
    Saginaw$1,656
    County Cost Group 670$1,650
    Youngstown$1,344

    Frankfort is #296 of 338. The spread between the dearest and cheapest station at this grade is $3,987 a month — $47,844 a year, untaxed.

    Every pay grade at Frankfort0 – $2,151 / month
    E-1$1,011
    E-2$1,011
    E-3$1,011
    E-4$1,011
    E-5$1,104
    E-6$1,362
    E-7$1,449
    E-8$1,545
    E-9$1,611
    W-1$1,377
    W-2$1,491
    W-3$1,626
    W-4$1,839
    W-5$1,959
    O-1E$1,464
    O-2E$1,587
    O-3E$1,809
    O-1$1,164
    O-2$1,452
    O-3$1,665
    O-4$1,935
    O-5$2,001
    O-6$2,115
    O-7$2,151

    Promoting to O-4 here adds $270 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Frankfort to San Francisco at O-3 is worth $3,666 a month — about 14 promotions worth of housing allowance, at $270 per grade here.

    02

    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.

    03

    None of it is taxed. $1,665 a month of BAH takes more than $1,665 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.