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
    With $2,154Without $1,809

    O-3E at Frankfort draws $2,154 per month with dependents in 2026, $1,809 without

    Permalinkbahratedesk.com/frankfort-ky/o-3e/ExcelCSVDownloads cover this station.
    Frankfort, KY
    O-3E · with dependents
    $2,154/ month
    $25,848 / year
    At O-3E, this is #283 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA KY339 · ZIPs 40342 40601 40602 40603 40604 40618 +4 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,762 / mo gross
    Without dependents here$1,809 / mo
    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-3E · $2,154/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▲ RAISE+$1,068+$12,816/yr · like +$16,431 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Lafayette$2,157
    Moody AFB$2,157
    St Mary And Terrebonne$2,157
    Yuma$2,157
    Frankfort$2,154
    White Sands MR$2,154
    Peoria$2,151
    County Cost Group 720$2,148
    Lubbock$2,145
    Youngstown$1,788

    Frankfort is #283 of 338. The spread between the dearest and cheapest station at this grade is $5,235 a month — $62,820 a year, untaxed.

    Every pay grade at Frankfort0 – $2,226 / month
    E-1$1,287
    E-2$1,287
    E-3$1,287
    E-4$1,287
    E-5$1,410
    E-6$1,815
    E-7$1,932
    E-8$2,058
    E-9$2,148
    W-1$1,836
    W-2$1,983
    W-3$2,136
    W-4$2,151
    W-5$2,175
    O-1E$1,953
    O-2E$2,115
    O-3E$2,154
    O-1$1,464
    O-2$1,812
    O-3$2,133
    O-4$2,178
    O-5$2,199
    O-6$2,214
    O-7$2,226

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

    01

    Dependency status is worth 19% 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. $2,154 a month of BAH takes more than $2,154 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.